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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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Struggling with debt?
Mortgages, credit cards, student loans, personal loans, and auto loans are common types of debts. According to the NY Federal Reserve total household debt as of Q1 2024 was $17.69 trillion. Housing debt totaled $12.82 trillion and non-housing debt was $4.88 trillion.
According to data gathered by Urban.org from a sample of credit reports, about 26% of people in the US have some kind of debt in collections. The median debt in collections is $1,739. Student loans and auto loans are common types of debt. Of people holding student debt, approximately 10% had student loans in collections. The national Auto/Retail debt delinquency rate was 4%.
Each state has its rate of delinquency and share of debts in collections. For example, in New Hampshire credit card delinquency rate was 2%, and the median credit card debt was $471.
To maintain an excellent credit score it is vital to make timely payments. However, there are many circumstances that lead to late payments or debt in collections. The good news is that there are a lot of ways to deal with debt including debt consolidation and debt relief solutions.
