{"id":37900,"date":"2023-09-25T13:57:10","date_gmt":"2023-09-25T17:57:10","guid":{"rendered":"https:\/\/ginsberg-gingras.com\/?p=37900"},"modified":"2023-10-26T14:20:22","modified_gmt":"2023-10-26T18:20:22","slug":"what-to-do-if-your-salary-is-garnished-or-you-are-threatened-with-garnishment","status":"publish","type":"post","link":"https:\/\/ginsberg-gingras.com\/en\/what-to-do-if-your-salary-is-garnished-or-you-are-threatened-with-garnishment\/","title":{"rendered":"What to do if your salary is garnished or you are threatened with garnishment?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Wage garnishment is a stressful situation for any employee. It&#8217;s an effective legal procedure to recover an unpaid debt. Are there ways to protect oneself against such actions? The Bankruptcy and Insolvency Act offers solutions to stop or protect against garnishments.<\/span><\/p>\n<p><b>What is a wage garnishment?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s important to understand what wage garnishment is. When a creditor wants to get paid, they can, with the authorization of a court, order the debtor&#8217;s employer to hand over a portion of the salary. This amount is then sent directly to the creditor until the debt is fully repaid. Revenu Qu\u00e9bec often uses garnishment for unpaid taxes. Revenue Canada also has wage garnishment in its arsenal of available means.<\/span><\/p>\n<p><b>Protection provided by the Bankruptcy and Insolvency Act<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The Bankruptcy and Insolvency Act offers two main solutions for those facing a wage garnishment or being threatened with one: the consumer proposal and bankruptcy.<\/span><\/p>\n<ul>\n<li><b>Consumer proposal<\/b><span style=\"font-weight: 400;\">: This is an agreement between the debtor and their creditors where the debtor commits to repay <\/span><span style=\"font-weight: 400;\">a portion of their debts<\/span><span style=\"font-weight: 400;\"> over a given period (up to 5 years) and that <\/span><span style=\"font-weight: 400;\">without interest!<\/span><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> Once the proposal is filed, all wage garnishments and\/or legal proceedings are immediately suspended.<\/span><\/span>&nbsp;<\/li>\n<li><b>Bankruptcy<\/b><span style=\"font-weight: 400;\">: By declaring bankruptcy, this suspends wage garnishments and erases most debts. However, this option has impacts on credit and should be approached with caution.<\/span><\/li>\n<\/ul>\n<p><b>Consult a LIT (formerly bankruptcy trustee)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If you find yourself dealing with a garnishment or a threat of garnishment, it&#8217;s time to consult a Licensed Insolvency Trustee. By evaluating your financial situation, they will provide you with wise advice to allow you to protect yourself and regain control of your situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a future after debts, consult a trustee by visiting ginsberg-gingras.com or by calling (800)567-1905. First consultation in person or virtual without obligations.&#8221;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wage garnishment is a stressful situation for any employee. It&#8217;s an effective legal procedure to recover an unpaid debt. Are there ways to protect oneself against such actions? The Bankruptcy and Insolvency Act offers solutions to stop or protect against garnishments. What is a wage garnishment? It&#8217;s important to understand what wage garnishment is. When [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1115,674,667,1065],"tags":[],"class_list":["post-37900","post","type-post","status-publish","format-standard","hentry","category-actualite-en","category-advice","category-blog","category-conseils-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What to do if your salary is garnished or you are threatened with garnishment? | Ginsberg Gingras<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ginsberg-gingras.com\/en\/what-to-do-if-your-salary-is-garnished-or-you-are-threatened-with-garnishment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to do if your salary is garnished or you are threatened with garnishment?\" \/>\n<meta property=\"og:description\" content=\"Wage garnishment is a stressful situation for any employee. 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