If you’re in the trap of debt right now, and you’re on the verge of getting your paychecks garnished, there are some items that debt collectors can’t tap into.  Wage garnishment happens when your employer holds part of your paycheck to pay off your debts due to a court order.  Many people get confused with this term, because they think that anything they earn can be garnished.

Below is a list of things that can’t be garnished –

• Your social security benefits
• Veterans benefits
• Service members pay
• Military annuities
• Student assistance
• Disability benefits
• Compensation of injury, or death
• Federal emergency money

These are just a few things that many collection agencies can’t tap into.  To get a full list, make sure you check out this FTC website to get more information on debt laws, and what they can, and can’t garnish.

If you do find that you’re going to get your wages garnished, and it’s through your employer, there’s generally nothing that you can do about it.  This is the last resort that many companies are going to take when it comes down to getting money from you.  You have to think of it this way, in that you owe them money, and it’s unfair to them if you’re making it, and you’re not giving it to them.

No matter how much you make, and how much you try to hide, they are always going to find out about it, and they are going to get it one way or another.  This is why it’s always important to pay off your debts, so that you don’t even need to worry about it.