Private student loans and their debt collectors must first go to court and obtain a judgment and wait the 30 days before they can garnish your paycheck. The IRS and the Mississippi Department of Revenue can garnish your wages if you owe back taxes, without a court judgment.

Can debt collectors garnish wages in Mississippi?

In Mississippi, your wages cannot be garnished without your knowledge in most cases. For example, creditors are allowed by law to garnish your wages if you owe taxes, child support and student loans without first obtaining a judgment.

What is the statute of limitations on credit card debt in Mississippi?

3 years
Mississippi’s statute of limitations on credit card debt is 3 years. Mississippi allows you to file an objection to a wage or account garnishment.

Can you have more than one wage garnishment at a time?

Also, you can have more than one wage garnishment at a time as long as they total up to 25 percent of your income. Or one creditor can deduct 25 percent of wages until the debt is satisfied. However, if you’re behind in payments such as alimony, child support, student loans or taxes, a higher percentage can be garnished.

Can a company refuse to garnish an employee’s wages?

Many employees may plead with the employer to not take out garnishments. However, the state laws generally defend the companies, agencies or departments that progress through a case for a judgment of a garnishment.

Can a creditor garnish your wages without a judgment?

In certain situations, a creditor may garnish your wages to pay debts without first obtaining a judgment. These are called administrative wage garnishments. In almost every case, the law mandates that child and spousal support be collected via wage garnishment, even if you agree to pay voluntarily.

Do you have to give notice when wages are garnished?

Generally, state laws don’t require employers to notify you in advance before garnishing wages. Nor are they required to give you a period of time to dispute the debt or garnishment. However, your employer should, as a courtesy, provide you with a copy of the notice.