Connect with us

Lifestyle

Facing Wage Garnishment? Here Are 6 Steps to Regain Control

Published

on

Last Updated on August 28, 2025 by Daily News Staff

If you’ve recently discovered that your paycheck is smaller than expected, it’s possible you’re dealing with wage garnishment—a distressing situation that affects millions of Americans every year. This means a portion of your hard-earned money is being taken before it ever reaches your bank account, making it incredibly challenging to manage your budget, especially during tough financial times.

Wage Garnishment

Worried mature man checking his domestic bills at home, he is concerned and reading his financial statements

Understanding how wage garnishment works can help you navigate this rocky terrain. It usually occurs after a creditor has sued you, won a judgment, and obtained a court order to garnish your wages. However, certain exceptions—such as unpaid taxes, child support, and student loans—allow for garnishment without a court order. Regardless of how you found yourself in this situation, it’s important to know that there are steps you can take to mitigate or even stop the garnishment altogether.

If you’re facing wage garnishment, don’t lose hope. Acting quickly can be crucial. Here are six steps to help you address this issue and potentially find relief:

1. Verify the Garnishment Is Legal

It may feel overwhelming to see your paycheck impacted, but the first step is to confirm the legitimacy of the garnishment. Federal law mandates that you must receive a garnishment notice prior to any wage withholding. Carefully review this document to ensure that the debt belongs to you and that the creditor followed all proper legal protocols. Garish mistakes can occur, and verifying each detail can empower you to challenge any discrepancies.

2. Check for Violations of the Fair Debt Collection Practices Act

It’s disheartening, but some debt collectors may engage in questionable practices throughout the garnishment process. If you have not been properly notified or if your wages have been garnished beyond what is legally allowed, this might constitute a violation of the Fair Debt Collection Practices Act (FDCPA). Knowing your rights can be the first step in seeking justice. If you notice any irregularities, document your experiences—this could be crucial in seeking damages or legal fees.

3. Know Your Legal Protections

Understanding your legal protections can provide significant relief. Federal law stipulates that creditors can only garnish a limited portion of your earnings—typically 25% of disposable income or the amount by which your income exceeds 30 times the federal minimum wage, whichever is less. Additionally, certain income sources, like Social Security and disability benefits, are generally exempt from garnishment. Familiarizing yourself with these protections can bolster your confidence as you navigate this process.

4. File an Objection or Exemption Claim

If the garnishment is causing you severe financial hardship, you have the right to file an objection, often referred to as a “claim of exemption.” This usually involves submitting a formal request to the court that issued the garnishment order. It might feel daunting, but many courts are willing to reconsider garnishments that pose a significant burden on your ability to support yourself or your dependents. Advocating for your rights can lead to a modification or even termination of the garnishment.

5. Negotiate Directly with the Creditor

Even after wage garnishment begins, there’s still room to negotiate with the creditor. A direct conversation can sometimes open the door to negotiating a more reasonable payment plan or even settling for a lesser amount of what you owe. Many creditors are willing to work with you rather than endure the complexities of garnishment procedures. Approach this conversation with transparency about your financial situation and be prepared to offer a realistic, sustainable payment option.

6. Consider Bankruptcy as a Last Resort

When all else fails, it might be time to consider bankruptcy. While this option can feel intimidating, it offers a pathway to eliminate debts and stop wage garnishment. However, bankruptcy comes with its own set of complexities and consequences, so it’s essential to seek guidance from a qualified financial advisor or an attorney specializing in bankruptcy law.

Finding out that your wages are being garnished can evoke a whirlwind of stress, uncertainty, and fear. Remember, you’re not alone in facing this issue—millions are battling similar challenges. It’s critical to know that there are legal steps you can take to protect your rights and alleviate the strain of garnishment. By verifying the garnishment, understanding your rights, and taking action, you can work toward regaining control of your financial situation. With determination and the right approach, there is light at the end of the tunnel.

Advertisement
Get More From A Face Cleanser And Spa-like Massage

If you want to read more on this topic, check out the story from CBS News that highlights important steps to take when facing wage garnishment. It provides valuable insights and information that can help you navigate this challenging situation. Don’t miss it! 📺✨

https://www.cbsnews.com/news/what-to-do-debt-collector-garnishing-paycheck/

Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!

https://stmdailynews.com/category/consumer-corner

Author

  • Rod Washington

    Rod: A creative force, blending words, images, and flavors. Blogger, writer, filmmaker, and photographer. Cooking enthusiast with a sci-fi vision. Passionate about his upcoming series and dedicated to TNC Network. Partnered with Rebecca Washington for a shared journey of love and art. View all posts


Discover more from Daily News

Subscribe to get the latest posts sent to your email.

Rod: A creative force, blending words, images, and flavors. Blogger, writer, filmmaker, and photographer. Cooking enthusiast with a sci-fi vision. Passionate about his upcoming series and dedicated to TNC Network. Partnered with Rebecca Washington for a shared journey of love and art.

Continue Reading
Advertisement Sports Research

Travel

What’s Trending in Travel in 2026

In 2026, travelers are prioritizing immersive experiences over quick vacations, with a strong demand for personalized, intentional trips. Despite economic concerns, a survey reveals nearly all respondents plan to travel, often seeking the guidance of travel advisors. Trends include spacious accommodations, cultural immersion, wellness experiences, and multi-generational travel.

Published

on

What's Trending in Travel in 2026

What’s Trending in Travel in 2026

(Feature Impact) After years of fast-paced itineraries and social media-inspired vacations, travelers are looking to slow down in 2026, instead focusing on more personal, immersive experiences.

That’s not to say Americans will be looking to travel any less – just more intentionally. Despite economic, political and cultural shifts, travel shows no signs of slowing down this year. In fact, according to a survey conducted on behalf of ALG Vacations, 100% of respondents plan to take a vacation in the next year, with 97% likely to travel for leisure in the next 6 months despite those concerns.

Even with tightened budgets, 95% of those surveyed would still travel – even if it meant scaling back. To help travelers zero in on what they’re looking to experience in 2026, working with a travel advisor when starting to plan that annual getaway can make the process easier.

Additional survey data shows 7 in 10 travelers are turning to professionals to plan their next trips with the younger generations leading the way; 83% of Gen Z and 78% of Millennials are likely to turn to a travel advisor for help with planning and booking.

17791 C detail embed3“What’s really interesting is that travel advisors are resonating with a new wave of travelers,” said ALG Vacations’ Travel Advisor Champion Carson Kressley, the renowned style expert and world traveler best known for his role on “Queer Eye for the Straight Guy” and his current Emmy Award-winning judge role on “RuPaul’s Drag Race.” “They want help uncovering hidden-gem destinations and great-value packages, and a new generation of advisors is meeting them exactly where they are.”

In addition to booking your next excursion with the assistance of a travel advisor, consider these trends Kressley identified for the year ahead.

Space and Privacy
In 2026, spaciousness is an expression of luxury – private villas, low-density boutique resorts and nature-framed hideaways where quiet feels curated and beauty isn’t shared with the masses. As travelers prioritize serenity over scene, this trend reflects an emotional need for clarity as they look for time to reset and environments that support genuine presence.

Immersion in Culture and Hyper-Local
Travelers desire authentic experiences shaped by local chefs, artisans and storytellers who bring a destination’s heritage to life. It’s no longer about observing culture from a distance; it’s about actively participating in it with the destination’s native citizens, reflecting a desire for meaning and perspective.

17791 B detail embed2Longer, More Intentional Vacations
Instead of rushing through multiple destinations, travelers are embracing itineraries that allow them to breathe through longer stays and experiences that unfold naturally. From a lingering lunch to an unstructured afternoon, this shift toward savoring prioritizes depth and connection.

Transformational Wellness
As wellness continues to evolve into deeply personal territory, travelers seek experiences that restore mind, body and perspective such as sunrise rituals, nature-led healing, cultural wellness traditions and programs designed for renewal.

Screen-Inspired Destinations
Pop culture continues to influence travel, but today’s travelers seek more than filming locations. In 2026, they’re searching for dramatic landscapes, atmospheric architecture, richly layered cultures and experiences that evoke emotion and capture the feeling of their favorite cinematic worlds. This evolution of set-jetting is about stepping into a story rather than tracing its steps.

Shared Multi-Generational Moments
Multi-generational travel is shifting toward more purpose-driven experiences – milestone celebrations, cultural reconnection trips and meaningful moments together. The emphasis is on togetherness, personalization and experiences that feel like legacy.

Advertisement
Get More From A Face Cleanser And Spa-like Massage

To learn more and start booking your next adventure, visit traveladvisorsgetyouthere.com.

Photos courtesy of Shutterstock

collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures
track

Source: ALG Vacations

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.


Discover more from Daily News

Subscribe to get the latest posts sent to your email.

Continue Reading

pets

Understanding Winter Pet Health Risks

Pet Health: Winter poses health risks to dogs, including frostbite and hypothermia. Pet owners should limit exposure, provide adequate shelter, adjust diets, and ensure safe indoor environments to maintain their pets’ well-being.

Published

on

Last Updated on February 21, 2026 by Daily News Staff

16969 Winter Pet Health detail intro image

(Family Features) While some dogs prefer to be outdoors regardless of the weather, the cold and often snowy and icy conditions winter brings can pose serious threats to their health.

Much like the well-publicized challenges of keeping your four-legged family members healthy during the warmer weather, it’s important for pet owners to be aware of the unique threats that can arise during colder conditions.

Recognizing Cold Weather Hazards
Winter weather can pose various hazards to pets, including frostbite and hypothermia. Dogs left outside for extended periods, particularly those with short coats or pre-existing health conditions, are at greater risk. It’s essential to limit exposure to extreme cold, provide adequate shelter and recognize the symptoms of winter-related illnesses.

Signs of hypothermia include shivering, lethargy and pale gums. Frostbite may present as discolored, cold skin, particularly on extremities like ears, paws and tails.

Protecting Your Pet’s Skin and Paws in Winter
Cold, dry air can cause pets’ skin to become dry and flaky. Regular grooming and moisturizing can help maintain their skin’s health. Consider using pet-safe moisturizers and avoid bathing them too frequently, as it can strip natural oils.

Additionally, be cautious of salt and de-icing chemicals, which can irritate dogs’ paws and skin. Protect their paws by using booties or applying a pet-safe balm to help prevent cracks and irritation caused by ice, salt and cold surfaces. If not covering paws, always clean them after walks to check for any signs of injury or discomfort and consider using pet-safe ice melters.

Adjusting Diets for Winter
During the winter months, dogs may require a different diet to maintain their energy levels and body heat. Consult with your veterinarian about adjusting your four-legged friend’s food intake, especially if his or her activity level changes. Monitor your pet’s weight and adjust feeding portions as needed to prevent obesity or malnutrition.

Also ensure your pet has access to fresh water, as dehydration can still occur in cold weather. In fact, warm water may encourage pets to drink more.

Keeping Pets Safe Indoors
If your winter pet safety plan includes keeping your dog indoors more often, ensure you provide him or her a warm and comfortable place to rest. Avoid placing your pet’s bed near drafty windows or doors, cold tile floors or uninsulated areas.

Also be mindful of potential hazards such as space heaters, fireplaces, holiday decorations and chemicals such as antifreeze, which is toxic to dogs. Keep them out of reach to prevent burns or accidental ingestion.

Advertisement
Get More From A Face Cleanser And Spa-like Massage

If you notice any unusual behavior or symptoms, contact your veterinarian immediately. Early intervention can prevent severe complications and ensure your furry friend remains healthy throughout the winter months. Find more tips to help keep your pets happy and healthy all year long at eLivingtoday.com.

Photo courtesy of Shutterstock

collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures
SOURCE:
eLivingtoday.com

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

Author


Discover more from Daily News

Subscribe to get the latest posts sent to your email.

Continue Reading

Lifestyle

How to Practice Thoughtful Grief Etiquette Online

Grief experts advise caution in sharing condolences and loss-related information on social media, emphasizing the importance of prioritizing the grieving family’s needs. Thoughtful posting practices include waiting for family approval, reaching out privately first, and avoiding speculation about the cause of death. Compassionate communication is essential in these sensitive situations.

Published

on

How to Practice Thoughtful Grief Etiquette Online

(Feature Impact) News of a death can spread online in seconds – often before families have notified close family members privately. That’s why grief experts urge people to rethink how they share condolences, tributes and loss-related information on social media, particularly during the winter months when grief can feel especially isolating.

“Grief etiquette is about putting the needs of the grieving family first, not our urge to say something publicly,” said Dr. Camelia L. Clarke, National Funeral Directors Association (NFDA) spokesperson, funeral director and grief educator with nearly 30 years of experience. “Just because information can be shared instantly doesn’t mean it should be.”

Social media has become a common place for sharing condolences, tributes and memories. However, grief experts caution that, without thoughtful consideration, online posts can unintentionally cause harm. Knowing when to post, what to say and when to remain silent can make a meaningful difference for families experiencing loss.

Consider this advice from the experts at the NFDA.

Grief Etiquette in the Digital Age

Grief etiquette refers to the unspoken guidelines for how individuals acknowledge death, loss and mourning, particularly online.

According to Clarke, one of the most important principles is restraint.

“When a death is shared online too quickly, families can feel exposed and overwhelmed at a moment when they’re still processing the loss themselves,” she said. “Waiting is an act of compassion.”

Best Practices for Posting About Loss Online

As social media continues to play a role in modern mourning, grief professionals encourage users to pause before posting and consider a few key guidelines:

  • Let the family lead. Don’t post about a death until the immediate family has made it public.
  • Ask permission. Obtain consent before sharing photos, stories or tributes.
  • Reach out privately first. A direct message, call or handwritten note can be more meaningful than a public comment.
  • Avoid speculation. Don’t ask about or share details regarding the cause of death.
  • Offer ongoing support. Grief extends far beyond the first days or weeks after a loss.

What to Say (and Avoid)

When expressing condolences online, experts recommend simplicity, sincerity and sensitivity. Messages that acknowledge loss without attempting to explain or minimize it are often the most supportive.

Helpful phrases include:

  • “I’m sorry for your loss.”
  • “Thinking of you and your family.”
  • “I’m here if you want to talk or need anything.”

By contrast, well-meaning cliches can unintentionally cause harm. Phrases such as “They’re in a better place” or “Everything happens for a reason” may reflect the speaker’s beliefs, but they can feel dismissive to someone grieving.

“Grieving people don’t need answers – they need presence,” Clarke said. “Listening matters more than saying the perfect thing.”

Resources for Families and Friends

As digital spaces continue to shape how people communicate during life’s most difficult moments, experts agree empathy, patience and respect remain timeless.

Advertisement
Get More From A Face Cleanser And Spa-like Massage

“Grief is deeply personal,” Clarke said. “When we slow down and lead with compassion, we honor both the person who has died and those who are left to grieve.”

To learn more about how to support a grieving person and access free, expert-reviewed resources for navigating grief, expressing condolences and supporting loved ones before, during and after a loss, visit RememberingALife.com, an initiative of the NFDA.

Photo courtesy of Shutterstock

    <img src="https://ssl.google-analytics.com/collect?v=1&amp;tid=UA-482330-7&amp;cid=1955551e-1975-5e52-0cdb-8516071094cd&amp;sc=start&amp;t=pageview&amp;dl=http%3A%2F%2Ftrack.familyfeatures.com%2F17832%2F10240&amp;dt=HOW-TO-PRACTICE-THOUGHTFUL-GRIEF-ETIQUETTE-ONLINE" />
<img src="https://erp.featureimpact.com/api/v1/tracking/17832/10240/track.gif" />

SOURCE:

National Funeral Directors Association


Discover more from Daily News

Subscribe to get the latest posts sent to your email.

Continue Reading

Trending