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I have two jobs. Can an Illinois judgment-creditor get a wage garnishment from both employers?
Recently got a judgment against me, and wage garnishment was place on my full-time job. Turns out by IL law my income from that job is exempt. Can the creditor go after both jobs now? I think that the bi-weekly exemptions for one job is $720. With both jobs I bring home around $750 bi-weekly.
Illinois garnishment rules are complex and favor judgment debtors.
To start learning about Illinois garnishment law, start with the Bills.com resource Illinois Collection Laws. This page explains some of the rights you and other Illinois residents share.
I can't find a definitive answer to your question, but it seems reasonable that any wages you earn could be garnished up the maximum amount allowed by state and/or federal law.
Because of the complexity of Illinois garnishment rules, the best advice I can give you is to consult with an Illinois attorney experienced in labor law, or make an appointment with Illinois Legal Aid.
You can also try contacting the Illinois Department of Labor.
I hope this information helps you Find. Learn & Save.
Best,
Bill
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Dealing with debt
Debt is used to buy a home, pay for bills, buy a car, or pay for a college education. According to the NY Federal Reserve total household debt as of Q1 2024 was $17.69 trillion. Auto loan debt was $1.62 trillion and credit card was $1.12 trillion.
A significant percentage of people in the US are struggling with monthly payments and about 26% of households in the United States have debt in collections. According to data gathered by Urban.org from a sample of credit reports, the median debt in collections is $1,739. Credit card debt is prevalent and 3% have delinquent or derogatory card debt. The median debt in collections is $422.
Each state has its rate of delinquency and share of debts in collections. For example, in New York credit card delinquency rate was 3%, and the median credit card debt was $420.
Avoiding collections isn’t always possible. A sudden loss of employment, death in the family, or sickness can lead to financial hardship. Fortunately, there are many ways to deal with debt including an aggressive payment plan, debt consolidation loan, or a negotiated settlement.
