Can a credit card company garnish my wages after 7 years? 24 Answers as of July 22, 2011

They have been garnishing it for 5 years now but I am still far from paying off all my debts. Is 7 years the limit for garnishing wages?

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Breckenridge and Walton
Breckenridge and Walton | Alan D. Walton
Judgment is good for 10 years and can be renewed for another 10.
Answer Applies to: Michigan
Replied: 7/22/2011
Benson Law Firm
Benson Law Firm | David Benson
In Ohio, judgments generally are good for five years. However, a judgment creditor can renew the judgment indefinitely.
Answer Applies to: Ohio
Replied: 7/21/2011
Eric J. Benzer, Attorney at Law
Eric J. Benzer, Attorney at Law | Eric Benzer
Yes
Answer Applies to: Maryland
Replied: 7/15/2011
Financial Relief Law Center
Financial Relief Law Center | Mark Alonso
If they are garnishing your wages, they probably have a judgment that is allowing them to do so. Judgments last 10 years and can be enforced for that entire time, and can also be renewed possibly after the 10 year period. So yes, it makes sense that they can and will continue to do this. One method of stopping this is to file for bankruptcy. This makes sense if you have other debt that you wish to discharge or if you cannot sustain the garnishment any longer.
Answer Applies to: California
Replied: 7/15/2011
Tucker Legal Clinic
Tucker Legal Clinic | Samuel Tucker
This is another question that seems to require clarification to give an informative answer. A Mississippi judgment expires after seven years, but can be renewed. As mentioned, the question begs for more facts. Five years is a very long time to be in a garnishment situation. A bankruptcy most likely would have been a better choice.
Answer Applies to: Mississippi
Replied: 7/15/2011
    Carballo Law Offices
    Carballo Law Offices | Tony E. Carballo
    Your wages can be garnished until the judgment is paid in full, including interest at 10% per year. The judgment is good for 10 years initially but may be renewed over and over forever.
    Answer Applies to: California
    Replied: 7/15/2011
    Mercado & Hartung, PLLC
    Mercado & Hartung, PLLC | Christopher J. Mercado
    In WA, a jmt is good for 10yrs unless it gets renewed.
    Answer Applies to: Washington
    Replied: 7/15/2011
    Bird & VanDyke, Inc.
    Bird & VanDyke, Inc. | David VanDyke
    No. The credit card company has a judgment against you. They will continue taking money from your paycheck until you pay in full or file bankruptcy.
    Answer Applies to: California
    Replied: 7/15/2011
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE).
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE). | Gary Lee Lane
    absolutely not
    Answer Applies to: California
    Replied: 7/15/2011
    Law Office of Lynnmarie A. Johnson
    Law Office of Lynnmarie A. Johnson | Lynnmarie Johnson
    No, they can usually renew their judgment and keep going until you pay. I think you are think of the 7 yr statute of limitations on debt collection, but that 7 years starts from the last day you make a payment. SO if you are paying now, you generally have to continue. his question, please just reply to this email. The original content and subject should not be modified, otherwise your answer will not be valid.
    Answer Applies to: Michigan
    Replied: 7/15/2011
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    7 years is not the limit. Judgements are good for 10 years and can be renewed.
    Answer Applies to: California
    Replied: 7/14/2011
    Ursula G. Barrios Law
    Ursula G. Barrios Law | Guillermo Machado
    Garnish till its paid off. File BK to stop it and stop letting your money be taken from you.
    Answer Applies to: California
    Replied: 7/14/2011
    Indianapolis Bankruptcy Law Office of Eric C. Lewis
    Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
    If a credit card has been reduced to judgment, it is possible to collect on the judgment for up to 20 years, not 7.
    Answer Applies to: Indiana
    Replied: 7/14/2011
    Bankruptcy Law office of Bill Rubendall
    Bankruptcy Law office of Bill Rubendall | William M. Rubendall
    A judgment under California law is valid for ten years. At the end of the ten years it can be extended for another ten years. So a judgment can be collected on for 20 years.
    Answer Applies to: California
    Replied: 7/14/2011
    Grennier Law
    Grennier Law | Michael Grennier
    If they are garnishing your wages, they have to have a judgement. The judgement is good for a period of 10 years and can be renewed for another 10 years. So basically, they have 20 years to collect in the judgement. You may want to consider filing for bankruptcy. Good luck.
    Answer Applies to: California
    Replied: 7/14/2011
    Law Offices of Michael J. Berger
    Law Offices of Michael J. Berger | Michael J. Berger
    There is no time limit for the number of years that a credit card company can garnish your wages after it obtains a judgment against you.
    Answer Applies to: California
    Replied: 7/14/2011
    Ray Fisher Law Offices
    Ray Fisher Law Offices | Ray Fisher
    If you are in Texas they can never garnish your wages. If you are in a state that allows wage garnishment they would generally have to have a judgment to do that.
    Answer Applies to: Texas
    Replied: 7/14/2011
    Law Office of Maureen O' Malley
    Law Office of Maureen O' Malley | Maureen O'Malley
    I don't understand why you've let it go on so long. Just file bankruptcy and be done with all of them forever.
    Answer Applies to: Virginia
    Replied: 7/14/2011
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    Limit is when the judgment is satisfied, 10 years if they don't renew the judgment or 20 years if they do.
    Answer Applies to: California
    Replied: 7/14/2011
    Law Offices of Joseph A. Mannis
    Law Offices of Joseph A. Mannis | Todd Mannis
    No. The garnishment is pursuant to a judgment they obtained against you, and the judgment is good for ten years. Moreover, at the end of ten years, it is renewable, and they won't forget to renew it. Sorry to be the bearer of bad news
    Answer Applies to: California
    Replied: 7/14/2011
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    There is a procedure to renew judgments, so depending on details we do not have, the debt may remain enforceable. The question you didn't ask is more significant. Why would you have let this go on 7 years instead of bankrupting (seven years ago)?
    Answer Applies to: Georgia
    Replied: 7/14/2011
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