Many consumers in Pennsylvania worry that their wages may be garnished for credit card debt. Luckily for Pennsylvanians, wages cannot be garnished to pay credit card debt. In fact, credit card companies and debt collectors in Pennsylvania cannot even threaten to garnish your wages.
How long do judgments last in Pennsylvania?
5 years
Pennsylvania judgments are valid for 5 years. Judgments can be revived every 5 years. Judgments also act as a lien against real property for up to 20 years or longer if properly revived.
How long can a debt collector try to collect a debt in Pennsylvania?
Pennsylvania has a statute of limitations of six years for typical debts. If it’s been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt.
Why is there a wage garnishment law in Pennsylvania?
Federal wage garnishment laws exist to ensure that you have funds to pay living expenses. Pennsylvania’s wage garnishment laws go further by limiting the type of debt a creditor can use a wage garnishment for, as well as the amount that a creditor can seize or “garnish” from your wages.
How much can you garnish for back rent in PA?
Here are some examples of garnishment amounts in Pennsylvania. Back rent. In Pennsylvania, garnishments to satisfy judgments for back rent on a residential lease are limited to 10% of net wages provided the garnishment does not cause your salary to fall below the federal poverty guidelines.
Can a employer discharge you if you have a wage garnishment?
According to federal law, your employer cannot discharge you if you have one wage garnishment. However, federal law won’t protect you if you have more than one wage garnishment order. Pennsylvania follows federal law.
How much can I get garnished from my paycheck?
The U.S. Department of Education (or any entity collecting for this agency) can use an administrative garnishment to deduct wages without a court judgment in an amount of up to 15% of your disposable income, but not more than 30 times the federal minimum wage.
