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Blog - Safe Harbor Associates
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  1. Garnishment is a last resort for creditors.
    Your creditors, whether it’s the IRS, Department of Education, credit card debt, medical bills, payday loans, etc. have been trying to contact you via mail and phone for a very long time. You haven’t responded, so they assume you are not intending to pay. Once they find out where you work – and they will – they’ll attach a garnishment order to your paycheck which may be up to 25% of your disposable income. The creditors are no longer interested in talking to you because now they have what they want. BUT they will talk and work with a Power of Attorney. A company like Safe Harbor Associates, LLC can negotiate and work with your creditors to get the garnishment off your check.
  2. Your paycheck is not the only thing they’re looking to take.
    Almost all states allow for creditors to not only garnish your wages, but to also levy your bank account. Once they find out where you bank (maybe you tried to pay them with a check last year), they now have the power to take 100% of your bank account up to the amount you owe them. Safe Harbor Associates can not only stop this from happening, but we also have the ability to get funds returned to you in 85% of these types of cases.
  3. Paying your debt off by being garnished is a terrible idea.
    We have a lot of clients who thought it might be smart to pay off what they owe to their creditors by allowing their paychecks to stay garnished. Once we walked them through what was actually happening, our company was almost always hired on the spot. Why? Because the creditor is allowed by the federal government and the court system to attach fees, penalties, interest on top of the fees, interest on top of the penalties, court costs, lawyer fees, etc. to your balance! If you originally owed $3,000, you may find yourself faced with a judgment more than $15,000! Safe Harbor can negotiate and offer different pay off amounts based on your overall financial condition. We’ll save you thousands in the long run.
  4. Filing for bankruptcy to take care of your garnishment may cause you more harm in the long run.
    Bankruptcy laws have changed. If you owe $7,000 for a car that was repossessed, and now you’re being garnished 25% of your paycheck, bankruptcy and the ability to wipe out that debt seems very tempting. But the reality is for the next 7 years of your life, your ability to get a job, a loan, a house, or rental will be severely impacted. Safe Harbor Associates comes up with payment plans YOU can afford, not what your creditors tell you you can afford.
  5. Your paycheck garnishment is NOT confidential.
    A garnishment is not “confidential” When an employee is garnished the employer is notified (typically by certified mail) the best-case scenario is that only the payroll manger knows an employee is being garnished, however don’t expect that to be the case. At a minimum, management will likely know when an employee is being garnished. There is nothing “private” about it. As a matter of fact not only is the garnishment not “confidential” the lawsuits that lead to the garnishment is not “confidential” either. It’s all a matter of public record. Anyone that wants to find out if you have been sued can find out. Safe Harbor Associates can help you remove the stain and embarrassment of being in debt.


Online payday loans, also known as “cash advances” or “check loans,” can offer quick access to money. There are often steep fees involved in repaying online payday loans, making them a high-cost avenue for people who may already be struggling.


Credit Repair companies literally dispute everything, even judgments. These are Court Ordered debts, and unless the credit repair company has an attorney on staff and they are filing a Motion to Vacate a judgment and willing to go to Court for you, these are not disputable items.

So now- they just notified the Attorney that has your collection account that you want to repair your credit with this worthless dispute letter and guess what? They have you! Your employment information is readily available on a skip trace and the next thing you know you’re being garnished… Most of our current clients using credit repair services are being garnished exactly for this reason- they haven’t received any letters or calls in years, and now all of a sudden they get hit with a garnishment.

Safe Harbor Associates, LLC is a different kind of company. We are not the standard credit repair service that charges you just to click buttons that are already free to you every day. We actually perform an in depth review of your current financial situation and credit report. We come up with a resolution plan for ALL of your debts, accounts, collections, and judgments.

Don’t make the mistake so many of our clients have made with previous companies. Your financial and personal situation could be at risk. Call 1-888-512-1708 to learn more.