Legal Question in Credit and Debt Law in Georgia

If your wages are being garnished, what for? Is there a judgment entered? Or is it on the student loan debt?

Generally, Georgia allows a maximum of 25% of your disposable pay to be garnished. The garnishments can continue for 179 days (or about 6 months) and can be renewed any number of times until any judgments are resolved.

If this is a federal student loan, pay can be garnished up to 10%. See 20 U.S.C. � 1095A(a)(1):

(a) Garnishment requirements

Notwithstanding any provision of State law, a guaranty agency, ... may garnish the disposable pay of an individual to collect the amount owed by the individual,

if he or she is not currently making required repayment under a

repayment agreement ...with the guaranty agency holding the loan,

as appropriate, provided that -

(1) the amount deducted for any pay period may not exceed 10

percent of disposable pay, except that a greater percentage may

be deducted with the written consent of the individual involve.

If this is a federal student loan, there is no statute of limitations. The loan stays until you die unless its paid off sooner or else is discharged in bankruptcy (if allowed - there is a hardship test) or forgiven or resolved in some other manner.