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Question
I have one garnishment in affect by court order..was just informed by my employer of a second, i was never notified of this..just seen a second deduction from pay. Employer said it came from Capital one,the other came via sherrifs..this one i never went to court for..is capital one able to do this? Can i have two garnishments at one? i live in NJ
Normally you cannot have two garnishments at one time. I would question this with the employer and seek legal counsel to see if they can be stopped. You may be able to appeal both garnishments but you have to be able to show cause.
If you were never notified of a court proceeding against you you may also file a motion to overturn the judgement and fight the case, however if it is a valid debt they will just refile the suit.
You might attempt to negotiate a payment plan in lieu of garnishment. If you need help with this give me a call at 877 270 8204.
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
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