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During the slow economy, most of us have had to tighten up our budgetary expenses both personally and professionally. We ve all heard and read stories about businesses drastically reducing services or having to close their doors. We may know somebody who has personally foreclosed on a home or who has declared bankruptcy. Of course, some businesses are absolutely thriving in this economy. I don t have the magic bullet that can help us all be successful, but I do have a couple stories I d like to share:Wage garnishment is when a judgment creditor gets a court order to take a percentage of the money earned directly from a consumer s earnings or tax refunds. It should be said that consumers have certain statutory rights as regards wage garnishment. These rights outline the percentage and amount that can be taken and, in some states, the number of garnishments. Also, some states limit or do not permit garnishments.

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