Tuesday, August 16, 2011

What are the wage garnishment exemptions (Credit card debt) in Virginia?

Hello all, I am currently in a bit of a bind with one of my credit cards. Last year I definitely made some bad choices with credit, and as a result of the economy, I have had to take a lower paying job (lay offs). I was already way in over my head, and then got pregnant. I had to go on disability for three months, which wasn't much money, and I couldn't pay my creditor. (Capitol One). A judgment was issued against me last month and I am due to be in court. I am so worried because I'm not on disability anymore (just got back to work last month), and the creditor is no longer willing to negotiate and wants to garnish me in court. I make about 280 bucks a week and I've already worked out several agreements with my other card companies for drafted payments. Then on top of that I have rent, food, electric, etc. Then, there is my unborn child (6 months). I am currently on the WIC gov't program for mothers, I have a small amount for food stamps and medicaid. Can they still garnish my work wages?? I know they can't garnish the government money that ists me, but I am really stuck in a hard time right now, and I've been trying so hard to get a better job because I am college educated, but in this economy nobody seems to be hiring. How can I claim an exemption?

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