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Story summary
- Wage garnishment can severely impact borrowers' finances as credit card debt reaches $1.28 trillion.
- When debts go unpaid, creditors may obtain court judgments to seize a portion of wages.
- Federal law limits garnishment to 25% of disposable income, with some income types protected.
- Borrowers facing hardship may request a reduction or elimination of garnishment.
- Debt relief options, such as settlement or bankruptcy, can stop garnishment and restore control.
