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garnishment of wages

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I live in Georgia, and a credit card collection agency is threatening me with a garnishment.I am a single mom with 2 children, and an income of $1500 a month and $400 additionally from child support. Can anyone be garnished or are there rules for one person income supporting a whole family? If so, what percent is usally taken of your salary on a debt of $9,000. I offered them $70 a month and they refused, saying it was too little. Thank you!


Senior Member
As I recall, the first $154/week is exempt from garnishment under federal law. After that, a max. of 25% may be garnished. Also, child support can't be garnished or attached.
Don't get bluffed. They can't just garnish you out of the blue. First of all, they have to file a lawsuit and they then must win and get a court order to garnish. If you are sued you need to respond just to keep from losing by default. In the event they do sue, at that point I would see a lawyer about bankruptcy. No way I would let them garnish my check. In fact, see a lawyer as soon as possible. The initial consultations are free.

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