A Fifteen Day Notice is the first formal step to wage garnishment in Ohio. The first actual step might have happened years ago. It was the day you decided not to make that credit card bill payment, just “this time.” Not paying became easy. How long has it been since that day, years?
Credit card companies and pay day loans never forget. After the phone calls stop, the 1099-C for debt cancellation, and the charge off of the loan someone still remembers. The bill ultimately is sold to a third party collector who goes back and adds all that unpaid interest late fees, and maybe even over limit fees. That old bill you decided to stop paying years ago can now be many thousands of dollars, and the company that owns it now sued you and got a judgment. Even that wasn’t very painful. Just a bunch of papers in the mail.
The fifteen day notice is different. It talks about garnishment of your pay in fifteen days, and you can’t afford that can you? Maybe you have a job where garnishment means firing.
Fifteen Day Notice is Not a Garnishment, Yet
The fifteen day notice is a warning. It warns you that if you do not make the payment that the form calculates within fifteen days, the creditor can then file formal garnishment papers with any court in Ohio. Normally this means a court convenient to the lawyer’s office.
The fifteen day notice is not a garnishment. That happens next. The collection attorney will file papers in a court for an order on your employer to start taking about 25% of the gross from each of your paychecks. After the notice the next thing that happens is the payroll department gives you a copy of the garnishment order they received from the court. If they are nice they will give it to you before the wage deduction starts.
Two Ways To Stop Garnishment in Ohio
Two things will stop a garnishment in Ohio. File bankruptcy or pay off the judgment. Neither one looks like an option with your current finances. There are ways to pay for bankruptcy even if you are in the midst of garnishment. If there is one fifteen day notice on the horizon, often others are not far behind. The important thing is to admit to yourself that you are out of time, and you need to call me for help. This problem didn’t happen over night, but I can stop it that fast.
The fifteen day notice is not the garnishment. It is a letter warning you what is coming very soon.