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Can a Collection Agency Garnish Wages?

We often have clients calling us who are scared out of their minds… “the collection agency said that they were going to garnish my wages if I don’t pay them $1000 right now”.  Please don’t fall for this scare tactic.  Despite their threats to do so, a collection agency cannot garnish wages in Pennsylvania.  Wages can be garnished in PA only under very limited circumstances, such as for taxes, some student loans, family/support issues, restitution on certain criminal matters, certain landlord tenant scenarios and for some out of state judgments that are transferred into PA.

Because most people do not understand the legal process, I will explain how it works.  In Pennsylvania, a Plaintiff (the party doing the suing) must first file a lawsuit against the defendant (the person who allegedly owes the money).  The plaintiff must win, obtain a judgment, and then hope that there is no appeal.  At that point, they have a final judgment.  After final judgment, the Plaintiff can commence execution proceedings (possibly garnish a bank account, levy, depositions in aid of execution).  Even in this instance, they CANNOT garnish wages while those funds are in the hands of the employer.

Credit Card Lawsuits

If you are faced with a credit card lawsuit, whether its an original creditor or a junk debt buyer, contact my office at 412-823-8003 right away. We offer a free, no obligation review of any credit card based lawsuit that is filed in PA.

FDCPA Attorneys

Many Debt Collectors threaten people, that's a fact. Threats of wage garnishment, jail, fraud charges and contacting employers, friends and relatives happens every day to people just like you. The truth is that most of these threats are illegal. If a debt collector is threatening you, contact our office at 412-823-8003 for a free initial consultation.