After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back. Now, he wants to share these strategies with the world and as a result HIDDEN CREDIT REPAIR SECRETS was created which has sold over 1000 copies as of today. Mark is a certified credit consultant with over 100 articles written in the area of credit repair and a successful radio show titled “Who Else Wants Better Credit”, which is aired on Blog Talk Radio every Tuesday & Thursday at 7:30PM-PST. Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor's Degree in Criminal Justice. He also holds a paralegal diploma. He currently lives in sunny California with a beautiful wife and lovely daughter.

1. Hiddencreditrepairsecrets.com
Presents
Maximum Wage Garnishment - How
Much Can They Take From My Check

2. It happened. You have had a
garnishment placed on your paycheck
and you are wondering what to do. How
will you pay your bills each month?
How will you make your car payment
and/or housing payment? How will you
buy groceries or pay vital utilities with
a diminished income?

3. Luckily, there are laws regulating the
maximum a garnishment can be. While this
varies depending on the type of loan and the
state in which you reside, this can generally
be anywhere from 15% to 25% of your after
tax income. Student loans generally have a
different maximum wage garnishment rate
than personal loans, which then again have a
different amount than credit card debt. In all
states, a garnishment can only continue as
long as the debt continues to have a balance.

4. In addition, in community property
states, if your spouse receives a
garnishment judgment, you could be
subject to the maximum wage
garnishment as well. While this does
serve to your benefit as the debt is
paid of f more quickly, having two
incomes with a maximum wage
garnishment can seriously af fect the
income of a family unit as a whole.

5. To find the exact amount of the maximum
wage garnishment allowed by your state, you
will need to contact your local courthouse.
They might ask for a few details, such as the
type of loan or your income, to give you a
percentage. (In a few states, the percentage
is variable upon the type of debt or the level
of your after tax income.)

6. What can you do once a garnishment has
been placed upon your paycheck? First, if
you are able to, pay of f as much of the debt
outside the wage garnishment as you can.
This might mean making extra payments
directly to the creditor. However, if this is
not a financial reality, you can try to talk to
the creditor directly. Usually, if you can
prove the wage garnishment is causing a
hardship for your family, you can have other
arrangements made or the percentage
lowered. In such instances, you will usually
have to have some sort of major hardship
that is provable (i.e. pending foreclosure on
your home, eviction from an apartment,
repossession of your only vehicle).

7. Again, to find a definitive maximum wage
garnishment percentage for the state in
which you reside, you will need to contact
your local jurisdiction. Now that you are
empowered with more education, go out
there and take action.

8. If you are ready to say goodbye to
credit rejection and debt collectors,
visit hiddencreditrepairsecrets.com
and sign up for the Free 8-Day E-Credit
Repair Course, and claim your Free
Gift-60 minute Podcast on Rebuilding
Your Credit
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