Category Archives: Laws

4 months ago Laws

Legal Documents For An Ecommerce Store

Whether you are starting up a drop shipping store or you are selling physical stock that you have purchased, before you set up your ecommerce store you need to consider the legal pre requisites and documents that you will need to lawfully operate. Not only are these a requirement in some states, they will also help your consumers trust that your business is legitimate which can help increase sales. So, where do you start? Don’t worry, we’re here to help!

Keep Reading To Lean Legal Documents For An Ecommerce Store

Refund Policy

Before you go live, you want to make sure that you have a refund policy in place. Your customers will expect their money back if their product isn’t up to standard, it is damaged, or the specifications don’t match what they received. Not only does it build up customer trust, it is actually a legal requirement to have this as you can’t sell products to a consumer and not allow refunds if the product is faulty. You do have some control here though; you can limit the amount of time that a refund can be asked for. Most stores give consumers a 30-day grace period to return faulty or damaged goods as long as they haven’t been used and the buyer can provide proof of purchase. Some companies offer longer refund windows, but these are often companies that sell higher end products that also have control over the manufacturing process. If you are drop shipping you can claim the refund back from the supplier, it may be more difficult if you have purchase whole sale stock to sell.

Returns Policy

Along with a refund policy, you also need to have a returns policy. Whilst it may be tempting to make the return slightly more difficult than necessary, so that your house doesn’t fill with damaged and broken goods, this isn’t good for consumers or your reputation. Having a clear, easy to follow returns policy will not only increase your reputation as a good seller, it will also help drive sales to you. Make your returns policy incredibly clear and break down each stage that the customer has to follow, this way the mistakes are limited. Again, you will want to put in reasons why returns will or won’t be accepted. If you are selling equipment, it will need to be that it is a manufacturing error rather than a misuse error, to do this you can put in a clause that the piece of equipment will be checked for heavy use prior to the return being accepted and a refund issued. With returns you may want to offer consumers a longer window if you are selling high quality goods that you trust, this way that trust will be shown to your customers.  You can also charge for returns, but that is down to your own discretion.

Privacy Policy

Customers are going to be giving you their personal information, so you need this if you’re running an ecommerce store. Make sure that your customers know how you are going to handle and process their information as well as safeguarding it. You can get templates online but make sure that it is relevant to your ecommerce store. Out of all the documents listed, the privacy policy is probably the most important when it comes to safeguarding yourself. You need to make sure that you are processing customers details correctly and responsibly and record how you are protecting them. This way, if any issues do occur, or there is a data breach you will be in the position to prove that the breach did not come from you and that you did everything in your power to keep your customers details safe and secure.

Terms and Conditions

Whilst terms and conditions aren’t a legal requirement, they may be something that is worth considering, especially if you are selling your own goods and services on your ecommerce stores. It outlines exactly what your products do and potentially protects you if anyone attempts to imitate your product or store. It will need to explain that you own the intellectual property to your store and any products that you have designed and manufactured. If you are using the drop shipping method, this doesn’t apply to you so there is no need to worry.

Final Thoughts

In order to run a successful ecommerce store, there are only a few legal documents that you need to process before your site goes live. It is easy to think of them as just another task, but actually they have the ability to increase your traffic and potential sales as customers are more likely to trust sellers that have and are transparent about refunds, returns and warranties they offer with their products. Take time in writing these policies as they can help you increase your income and keep you legal.

4 months ago Laws

Wondering If Buying Tradelines Is Legal? The Answer Is Yes!

Unless you’re a crime lord, you may be looking for legal ways to better your credit score. The answer may be tradelines.

You may be asking if this is legal. We get that buying tradelines may seem too good to be true, but it is most definitely true.

Keep reading to learn the basics about tradelines and how something so good can still be legal

What Are Tradelines?

A tradeline is a credit account that appears on your credit report. Every account that you have that build credit (like credit cards or loans) shows up as a tradeline on your report.

Many people perceive tradelines as sneaky tricks against lenders, but there is more you should know before taking their word for it.

How Do I Buy Tradelines?

Some people ask family members to add their names as authorized users to their credit card accounts, phone bills, or other credit-affecting accounts. This may be similar to buying tradelines, but it is not the same.

When you’re buying a tradeline, you don’t know the person who is adding you as an authorized user. You are also paying for that person to add you as such on their account(s).

You can buy tradelines through third-party services that may charge anything up to thousands of dollars.

How Is Buying Tradelines Legal?

While it may be considered immoral, having tradelines that aren’t primarily yours on your credit account is not illegal. There are authorized user tradelines you can use.

Family members can legally add their relatives to their credit accounts, but some people don’t have family members to do this. For example, parents can legally add their children to their credit accounts, but some people don’t have parents that did this for them.

Many people claim that buying tradelines is a way for those without the head-start from their parents to catch up. However, buying tradelines can get you in trouble.

The point of building your credit score is to help banks and similar entities determine whether or not they should lend you money. If you’re adding your name to someone else’s account, you’re not technically the one building the credit.

We should also mention that sharing your credit information with those you don’t know can be dangerous.

The bigger question may be if buying tradelines is moral or not rather than if it is legal or not. Some people believe that the practice is unacceptable while others see it as a way of beating the system.

For those who do consider the practice to be acceptable, you should take into account the FICO Score 8 model. In 2009, this model made the effect of buying tradelines has severely dampened.

Addressing Your Credit Score

Placing another person’s name on your credit account is not a completely foreign practice. The idea applies to children and adults alike.

Whether you choosing to get tradelines from your family or others, they are technically legal and can be helpful for your credit score. We simply caution you to be careful and choose carefully.

For more finance tips, feel free to read more from our blog.

4 months ago Laws

Bridge the language gap with certified translation services for the legal sector

The Internet has simply made the world a smaller place and we are able to connect with people in the furthest corners of the globe in just seconds.

All very well, but what about the language barrier? Surely it is a difficulty that legal firms face the world over where words are so important. With legal translation services, language problems like this can be overcome.

There are many law firms around the word handling all kinds of documents. Imagine if you have to submit some evidence and it turns out to be inaccurate because it was in a language that couldn’t be interpreted properly. When your client’s future depends on the accuracy of such a legal document it needs a 100% accurate translation.

Difficult pieces of information must be understood

It is precisely why professional language translators are in such demand – they simply open up the channels of communication, particularly in the complex legal sector.

Legal translation is a complex service as judiciary systems differ in each country. A legal translator would need a deep knowledge of the legal systems of different countries to ensure that all requirements of that system are properly explained and understood in the appropriate language.

Legal translations have to be 100% accurate to ensure all those complicated clauses are translated exactly as they should be.

Laws are also different in these countries and therefore the accurate adaptation of legal texts is absolutely critical otherwise it could lead to a lawsuit. Legal document translations have to be precise and have all the right legal terminology so that nothing is even remotely misinterpreted.

 Every word is meticulously written in your home language

Language translation and interpretation is all about ensuring you get the message across in a powerful, understandable way. The only way to ensure this is with certified translation services from language experts who are 100% clued up on the world of legal processes.

 Fast, accurate translations

Law firms rely heavily on translation agencies that handle all kinds of certified translations with fast turnarounds. These include face to face, where an interpreter is present where two parties communicate. With audio translation, for legally certified transcripts, everything is transcribed from the audio recording, and that includes all sounds and pauses.

With specialized legal translators that cover all language combinations, the best translators are those bound by a commercial confidentiality and corporate nondisclosure agreement. Every document they handle is treated as highly confidential.

Every transcript is checked and proofread before it goes back to the client, and always within the deadline.  All of this is for any foreign language or dialect. Simply ask for a quote and never look back.

4 months ago Laws

The Legal Woes of Hiring an Uninsured and Unlicensed Contractor

Do you have some work you want to get done around your house? Does your house need painting, or you want a deck built on the back of your house? Maybe your roof has some repairs that need to be done.

How do you proceed? What most people do is go looking for someone skilled to do the job. If you can’t pull off a DIY (and building a deck or fixing a roof isn’t really DIY), then you need to find the right skilled person for the job.

So, you gather bids and want to automatically gravitate towards the cheapest bid. But hold on? What else should you consider about the contractor you are hiring to do the work?

Are they licensed? Are they insured? You might find an unlicensed contractor willing to do the work for you for less. But is it wise to hire someone who is unlicensed? The answer is a resounding no.

Read on to learn the many reasons hiring an unlicensed contractor is a bad idea.

Your Role

When you hire an unlicensed contractor, you by default become the contractor. If something goes wrong, and it could in any number of ways, you become responsible.

As the de facto general contractor you are responsible for:

  • Legal compliance
  • Safety
  • Quality of workmanship

You are responsible for what happens on the job the contractor is doing for you.

What Could Go Wrong?

There are a number of risk factors involved with hiring an unlicensed contractor.


If you have a worker who is uninsured working at your home and they are injured, you become liable. It doesn’t have to be your fault in any way.

But you agreed to hire them knowing they were uninsured, so you become responsible for the injury, care, rehabilitation because it happened on your property.

Damage and Bad Work

You hire the uninsured roofer to fix the roof leak you have. The person isn’t licensed or insured and in the process of trying to fix your roof rips off all the gutters across the back of your house.

It rains and you have a big leak in your basement because the gutters are missing.

Now, you can try to hold that worker accountable but you’re not likely to have much success. It’s hard to prove the bad work was their fault and because you can’t go to their insurance company you’d have to find a way to get money out of them.

Necessary Insurance

When hiring a contractor, not only do you want them to have some professional licensing. It tells you they have training and experience to complete your work correctly.

You also want them to be insured. A contractor should carry two types of insurance.

Liability insurance covers the quality of work they do and potential damage that might be caused because of their work.

Worker’s compensation insurance covers any potential injuries that happen while on your property.

Unlicensed Contractor: A Bad Idea

There’s a reason the unlicensed contractor is cheaper. He’s not paying to be licensed or to protect himself or his workers. Think long and hard about the many disadvantages of hiring an unlicensed contractor to work on your home.

For more legal articles like this one, visit our page often.

4 months ago Laws

The Laws of Online Dating

You don’t want to get yourself in trouble with online dating, but it can be easy to fall into that trap. We set out some legal tips to follow to ensure you’re being safe.

Simple Things You Can Do That Break the Law on Online Dating Sites

Online dating has transformed the world of dating and relationships. It makes easier to find someone, save time and money on romantic dates, but also it can influence people to break the law. informs that online dating can lead to outcomes that are the exact opposite of what you had in mind and may in some instances put you at risk of committing a criminal act. In the light of keeping yourself and those you’re interacting with safe, here are some things to think about when you begin online dating.

Avoid Sexting

Although this may be fun and flirty, it can have serious ramifications if the person you’re messaging is underage. Even if they have lied and told you they are of age, you can be prosecuted as you have elicited pornographic content from a minor. It is best to avoid this kind of messaging until you have met someone in person and know for sure that they are who they say they are.

Ask for Age First

You don’t want to be asked why you waited so long to figure out how old the person you were talking to is. Even if their profile states an age, don’t underestimate the importance of asking over a message. Someone can always easily change their profile age but if they have stated in a message to you, then you have covered your back with that and can always say that, as far as you were aware, they were of age.

No Means No

Your online presence needs to be as courteous and considerate as you are in actuality. By pushing for pornographic images or trying to force someone to do something online they’re not comfortable with, you are walking an incredibly tight line regarding consent. This kind of behavior can be used against you if something more serious turns up in the future too.

Don’t Disclose Private Information

Once you get to know someone and begin dating it is different, but you should never share information, such as your address, on an online dating site. It can lead to multiple issues and put you in a very difficult situation.

Be Careful of How and When You Meet People

When you’re meeting for the first time, for their safety and yours, you need to think extremely carefully about how and when you’re meeting them. You may think it is romantic to go someone secluded at night but that doesn’t mean it is safe. Keep the first meeting public and in the day and always make sure to tell someone where you will be and when.

Make Sure You’re Weeding Out Fake Profiles

Someone underage is likely to create a fake profile as they will need photos of someone who looks older to be able to sell their online persona. This means that you need to be vigilant and weed out those profiles to protect yourself as much as possible.

Never Send Money to People You Met Online

Even if you’re doing this out of the kindness of your heart, sending someone money can look incredibly dodgy. Especially if this person turns out to be underage, it can look like you’re grooming someone. It is best to leave it alone and keep finances out of your online dating life.

Consider all these things when you’re dating online because it can only take one slip-up to turn your entire life upside down. Furthermore, you don’t want to expose any child to that kind of world any more than they already have been. So, always be cautious and think before you act online.

4 months ago Laws

4 Benefits of Hiring a Credit Repair Lawyer

Did you know that over 60 million people have little to poor credit? And while you may be part of this vast group, there are options available to boost your credit score to where it needs to be.

Let’s take hiring a credit repair lawyer for example. While it may seem like a tedious process, there are multiple benefits of hiring a lawyer in order to gain financial freedom.

Are you ready to reclaim your financial power?

Here are 4 benefits of hiring a credit repair lawyer to consider

1. They Can Find Errors in Your Credit Report

Did you know that over 20% of consumers have erroneous information on their credit report?

One of the greatest benefits of hiring a credit repair lawyer is their ability to find mistakes on your credit report. While it may not seem like much, the average consumer may have inaccurate information that is negatively affecting their score.

2. Financial Advice

Let’s face it. There’s not much a credit repair lawyer can do to stop your poor spending habits. If you find yourself consistently running up your credit card and making late payments, your credit score will continue to decrease.

Fortunately, credit lawyers like Prabir Purohit can point you in the right direction if you’re looking to improve your credit. While behavioral changes are entirely up to the consumer, a credit repair lawyer can provide counsel and accountability.

3. Less Time Consuming

While you may be tempted to begin the credit repair process by yourself, it can be a time-consuming process. From calling merchants to calling your credit card company, the process can be lengthy and tedious. In addition, there are certain laws that limit what you’re able to fix on your credit report.

Fortunately, a credit report lawyer is already seasoned in this kind of field. Hiring a credit lawyer does not only allow them to freely contact credit bureaus and collection agencies but it also frees up your time in order to accomplish the things you need to.

4. Plan for a Better Tomorrow

Do you plan on buying a house in the near future? Or are you looking into purchasing a new car? While these may be some of life’s most exciting stages, poor credit can prohibit you from doing so.

Paying a credit report lawyer may seem like a daunting task. And while you may not be looking forward to paying the monthly fees, it’s undeniably a great investment for your future.

The Benefits of Hiring a Credit Repair Lawyer and More!

Whether you want to learn more about the benefits of hiring a credit repair lawyer or are looking for dependable resources about the law, we’d love to help. Let’s face it. Finding a reliable lawyer in your time of need can be difficult.

Fortunately, we’ve put together the perfect platform that will help you with all of your legal needs.

4 months ago Laws

A Few Instances Where You Require the Help of a Lawyer

How do you gauge the seriousness between receiving a ticket for going beyond the speed limit and robbing a bank? Of course, it needs no mention that the second one is a grave offence and one that can cost the robbers a lifetime imprisonment sentence. But, does that mean that going above the set speed limit at the traffic is a minuscule offence? Absolutely not, because breaking the traffic rules could mean ruining several lives on the road. You never know when you find yourself in an accident and have blood on your hands. There are also instances where you would be left wondering whether you need legal counsel or have to rope in a lawyer or not. More often than not, things reside in the realms of grey, and it then becomes difficult to reach to a conclusive decision; especially when the matters are legal in nature. Some legal offences might require a lawyer (read, robbery) while on the other hand, some would not. Therefore, it is essential that we, as responsible citizens, are aware of the law and understand the seriousness of the issues, so that we can make a better decision regarding handling these situations.

Difference between the Civil Law and the Criminal Law:

The basic difference between the civil law and the criminal law lies in the fact that a civil law does not involve criminal activities like breaking the law, murdering someone, assaulting someone or armed robbery. Civil law basically deals with the violation of someone’s right, divorce cases, child custody, real estate issues or a circumstance where an individual demands compensation for being wronged in some way.

On the other hand, criminal law deals with cases like that of armed robbery, the one we mentioned at the beginning of the article. Any crime that breaks the law at the state level or the federal level is termed as a criminal offence and can range from misdemeanours to felonies. The sentences to criminal offences are graver and can even be a lifetime imprisonment.

So now that we have established the differences between civil law and criminal law, we shall move on to providing a few instances where you must seek legal help and understand the seriousness of the situation that you are in.

Being Fired from Workplace Wrongfully:

Not many people seek legal help when they are fired from their workplace wrongfully because most often than not, they feel like the fault lies on their part. They are too unsure whether they have real grounds on which they can sue their employers for the termination. Therefore, in this situation, you must first go through the terms and conditions of the contract that you were made to sign during the hiring process. If you find any room for the wrongful termination, you must approach your lawyer immediately for redressal.

Driving Under Influence (DUI):

Driving Under Influence is a grave offence, and one that might come at the cost of many lives. Whether you have been driving under influence or someone else, there are always lives at stake and might land you in terrible legal troubles. Therefore, contact a criminal lawyer with immediate effect if you happen to find yourself in such a situation. For instance, if you happen to find yourself in an accident near Chicago, it is important that you talk to a lawyer specific to the area, which in this case would be a Chicago dui lawyer. They will guide you through the tricky situation and help you understand what needs to be done and how you should behave. Finally, it is important that you acknowledge the seriousness of the act and never indulge in driving under influence ever again in your life.

Divorces and Child Custody:

Divorces and seeking for the custody of a child are sensitive issues and must be dealt with as such. You cannot go about handling a divorce case, especially when you have a child involved in it, all by yourself. If you find your marriage falling apart and see no way around to sort the issues, it is probably time to contact a divorce lawyer. Also, if you have a child, you might need to be a tad cautious about your behaviour around the child and think of subtle ways to go about the divorce so that the transition is easy on your part. And seeking the counsel of a lawyer can help you in this regard.


It might be quite a challenging task to understand the situations where one needs a lawyer and where one does not. Hopefully, the points that we have mentioned throughout the length and breadth of the article should do some justice to clarifying your understanding of the same, and guide you through the difficult process of roping in a lawyer for the legal turmoil you find yourself in. Get help from the right lawyer for your case and things shall pretty much start falling in their places.

4 months ago Laws

What happens after a person is arrested?

For someone to be arrested, there needs to be what in legal terms is referred to as probable cause. When probable cause exists, police can not only arrest a person, they can also seize a property that is connected to an alleged crime and conduct a search. The fact that there is probable cause, also means that a prosecutor may charge someone with a crime.

Before the arrest can take place, the police officer signs an affidavit explaining the facts to justify the reason why this needs to happen. A judge will issue a warrant if they agree with the content of the affidavit and can conclude that adequate cause exists.

What needs to happen before the arrest takes place?

The first step that may lead to an arrest is an investigation. An investigation starts when an officer witnesses something that leads them to believe that a law has been broken. A witness can also be the one to call attention to the police that a crime has taken place.

Police officers will start by interviewing any witnesses and collecting all the evidence. Evidence might include fingerprints, blood, hair strands, bodily fluids, carpet or cloth fibers, and bullet casings. Armed with this information they reach the decision to charge the individual.

Once the warrant has been issued, the police officer will make every effort to locate the person who is the subject of the warrant.

What happens when the arrest takes place?

Once the intended person has been located by the police, they will be arrested. When this happens, the intended individual will also be given a copy of the warrant in which the individual will be able to read the charges against them.

The person will be transported to the police department where they will be booked. This implies:

  • Taking their fingerprints
  • Completing any required procedural requirement
  • Being held in police custody pending a court hearing – generally, within 48 hours
  • The right to speak to an attorney

If you or someone you know has been arrested or charged with a crime, don’t waste any time in getting in touch with a Criminal Defense Lawyer. Getting the right help at the right time can be critical to make sure a defendant’s rights are protected.

What happens at the court hearing?

The person that has been charged will be read the charges against them. In some cases, this may be the first time they find out the content of the warrant that was issued against them. The judge will attempt to ensure that the defendant (this is what the person that has been charged is called) understands the charges. The judge will also ask the defendant to enter a plea. This can be either:

  • Not guilty
  • Guilty
  • No contest

Keep in mind that a defendant may opt for “not guilty” even if they are indeed guilty, but they suspect there is not enough evidence to prove it.

What happens at the trial?

Here is where the jury will get to decide whether the evidence presented can lead them to come up with a guilty or not guilty verdict for the defendant.

If you or someone you know has been charged with a crime and arrested, get more information about criminal defense law right away and protect your rights.

4 months ago Laws

Why Format Matters in a Memorandum of Law

A memorandum of law is a legal document that a lawyer uses to lay out the results of his or her research on a particular case. It will cover essential information like which laws apply to the situation and how he or she will use these laws to achieve the desired outcome of the case. This document is shared internally with other lawyers in a firm or organization and is also read by the client that the lawyer is representing. It covers all of the essentials of the case.

This document is designed to fit a certain format that is maintained across firms and across the industry. Using this format is expected and important for several reasons. This is a formal document; it needs to be persuasive and comprehensive, and the format helps the writer and readers of the memorandum stay organized.

Formality and Professionalism

To understand the importance of following the proper format, we need to first answer the question, “what is a memorandum of law?” In short, legal memorandums are formal documents used to develop the legal strategy that a lawyer will use to win a case. They need to be polished and professional. That’s where the format comes in.

Creating the document around a particular format gives it a professional appearance and demonstrates a clear intention. The formatting and structure of a legal memorandum are designed to capture the reader’s attention and lead them down a specific path. You don’t want them to be distracted because you’re jumping around between topics. Follow the format that they expect you to follow and they’ll be better able to focus on the content of the memorandum.

Creating a document with this specific format will also make the document easily identifiable as a memorandum of law. In a professional, formal work environment, good communication is essential. Following the format of a memorandum makes communication easier and more clear.

Learning how to effectively craft this formal document properly is an important stepping stone in learning how to craft an effective legal strategy.

Staying Organized

Following the format of a legal memorandum will help both you and your reader stay organized. When you put information where the reader expects to find it, they can quickly and easily revisit your argument and the facts supporting it. And, just as importantly, it will be easy to identify when a section or argument needs work. After all, the purpose of a legal memorandum is to develop a strong legal strategy. That means identifying both the strengths and weaknesses of the case.

Being organized is essential to your success as a lawyer. With all of the paperwork involved in a court case, you need to be able to identify your documents and find the necessary information within them quickly and efficiently.

When the document is formatted correctly, you’ll be able to find your legal memorandum among other papers easily, scan through it for the section that you need to reference, and then find the fact or item that you are looking for in seconds.


Like staying organized, the format of the document can also help you ensure that your argument and research are comprehensive. As mentioned earlier, the format is designed to lead the reader through your argument step by step. Following the format is a bit like following a checklist. By including all of the necessary sections in the correct order, you know that all of the essential pieces of your argument are present.

Without proper formatting, it can be difficult to follow your own argument. You may lose track of which points are backed with legal facts and which arguments are underdeveloped. Others who read your memorandum may also have a hard time helping you to develop your legal strategy because they can’t tell which areas need work.

The ultimate purpose of a legal memorandum is to create a foundation for a strong legal strategy. If you have weak spots, you need to be made aware of them early so that they do not become a larger issue during the case. Following the format diligently will help you identify those weak spots and prepare for them before they become a problem.


The specific order of sections in a memorandum of law is designed to lead the reader through your argument in the most efficient and logical way. You start by bringing up the questions that need to be answered in the case. You follow that up with brief answers to those questions, then move on to deeper facts, engage in a thorough discussion of why those facts are relevant to the case, and, at the end of the memorandum, you wrap it all up in a summarizing conclusion.

When you follow this specific structure, your reader can easily follow your train of thought. If you’re jumping from point to point, have a bit of a discussion, bring in a new fact, discuss some more, answer a different question, and then circle back around to summarize, you’re going to lose your reader. They won’t be able to understand your argument. They’ll glance over important aspects of the case. They may have a completely different takeaway than you had hoped.

The main benefit of the format is that it’s a tried and true formula. Lawyers have used this formula to communicate and strategize with each other for a long time. Use the format to your advantage so that you can craft the most effective legal strategy.

Formatting is anything but arbitrary when it comes to a memorandum of law. The memorandum will serve as the foundation of the argument that you build to win a case. Putting in the necessary time and effort to create a well-crafted document will be beneficial to your success. By following the prescribed format, you will convey professionalism and stay organized as you build a comprehensive and persuasive argument. Being diligent about formatting your legal memorandums will only make your job easier down the road, so give it the attention that it deserves.

4 months ago Laws

How to Stop Wage Garnishment

About 11 million Americans are dealing with wage garnishment. Is garnishment threatening your paycheck?

Consumer credit card debt, child support payments, and medical debt are all reasons for wage garnishment. Is someone suing you for an unpaid debt?

Read on for information about stopping wage garnishment before it starts

About Wage Garnishment

If you’ve got unresolved debt with a creditor, such as a credit card company, the company can sue you for payment. If the company wins the judgment, the debt repayment comes straight from your paycheck.

Often, the creditor wins in court through a default judgment. This means you didn’t show up in court for the hearing, so the judge rules in the company’s favor.

The garnishment amount is sometimes as much as 25% of your disposable pay, depending on what state you live in. Federal agencies can take an administrative wage garnishment of up to 15% of your disposable pay.

Next Steps

Did you receive a notice alerting you that your wages are about to be garnished? You must act quickly. Garnishment starts as little as five days after notice.

Once the garnishment starts, it doesn’t end until the debt is paid in full. Immediate full payment isn’t usually an option for people who find themselves in this position.

If you think the judgment is in error, note how long you have before the garnishment goes into effect. Contact a lawyer who specializes in consumer law. A lawyer can tell you if fighting the judgment is worth your time and money.

Will the garnishment amount cause undue financial hardship? That’s another reason for challenging it.

Can’t get a lawyer? Head to the courthouse and get the paperwork yourself.

You’ll need to prove that you’re eligible for a reversal of judgment or a change to the wage garnishment. If you decide not to challenge the judgment, there are a couple of steps to take.

Pay off the Debt

Is it possible to get a low-interest loan from a family member? If so, get the money, pay the debt, and avoid garnishment.

Asking a family member isn’t easy but it’s often better than dealing with the garnishment. Tell them you’ll sign a contract for paying the money back and make your payments on time.

Call Your Creditor

Can’t pay the debt in full? Call your creditor. Negotiate a lower interest rate and affordable monthly payments.

Most creditors want their money back and are willing to negotiate.

Filing Chapter 7 Bankruptcy

It’s possible that filing for Chapter 7 bankruptcy is your best option. This will ruin your credit for up to 10 years but it will stop the garnishment and all collections. Discuss this option with a lawyer.

Dealing With Wage Garnishment

Wage garnishment is difficult and stressful. If you’ve received notice of a wage garnishment, take action quickly.

Contact a lawyer and find out if filing an objection is worth your time and effort. If it’s not, see about a loan from a family member to pay the debt off.

Before paying anything, negotiate with your creditor for a lower interest rate and reasonable payments. If all else fails, consider Chapter 7 bankruptcy. Use an experienced lawyer for this process.

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