Legal Question in Banking Law in Pennsylvania

Yes, its possible. PA has no wage garnishment, but NJ does. If your employer is in NJ then the creditor can transfer any judgment to NJ and proceed to have it enforced as if it were a NJ judgment. I believe that NJ allows for up to 10% of your pay to be garnished.

Even in states where there is no wage garnishment (there are a handful), it depends also on the employer. Some employers honor wage garnishments - example, I have an NC client who works in NC. But his employer is headquartered in CA and there is a CA judgment against him. CA allows wages to be garnished up to 25% and they are garnishing his pay at that rate.

There are better ways of dealing with credit card debt before a judgment is entered. Credit card debts can be resolved by way of settlement if you have the ability and discipline to start setting aside money now with which to settle the debts.

You indicate that this is a credit card debt. Is it owned by the original creditor or has it been sold? Who owns it? How much is owed? Is there a PA-licensed law firm representing the creditor? Do you have any money saved up to deal with this? What assets do you own? What other debts do you have?

These are all things which any attorney would need to consider in deciding how best to help you. If you are interested in doing something about your debt in a non-bankruptcy non-litigation context, please contact me at [email protected].