after 1st one is paid the 2nd one will then be garnished
The first garnishment will be satisfied in full before the second one begins.
No more than 25% of your disposable income is garnished at one time. You can also ask for a reduction because of extreme hardship; and the Court can reduce it to 15%. However, in that case the second one will be able to get the remaining 10% at least until you also ask for a reduction in the second case. If both have been reduced to 15%, then it works the same way at that point--the first is fully satisfied before the second one begins.
I assume your wages are currently being garnished. The creditor can take 25% of every paycheck unless you apply for a hardship reduction. Now, I know no one WANTS to file bankruptcy. However, you owe it to yourself to at least meet with a lawyer to discuss your options. You may be able to discharge these debts with the assistance of a lawyer -- that would eliminate the garnishment. A chapter 13 bankruptcy will enable you to pay off the debts at a rate and over a time period that you can handle. Many lawyers offer a free consultation. If you visited my office for a free consult, I would review the pleadings in your case, help you understand your situation, and guide you to a solution that is best for you.
Mr. Greeves is licensed to practice law throughout the state of Arizona. His office is in Tempe. His phone number is 480-345-8100 or his email address is [email protected] His website is www.gprattorneys.com.
Mr. Greeves is licensed to practice law throughout the state of Arizona. His office is in Tempe. He is authorized to handle IRS matters throughout the United States. His phone number is 480-345-8100 or his email address is [email protected] His website is www.gprattorneys.com. Please note that this answer does not constitute legal advice, and should not be relied upon. Each state has different laws, every situation is fact specific, and it is impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue. This answer does not create an attorney-client relationship.
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