Laborde & Daugherty: Debt Validation and Wage Garnishment Guidance
If you’ve been contacted by Laborde & Daugherty regarding a debt, it’s essential to understand your rights and options. This guide covers how to challenge a debt collector’s claim through debt validation requests and provides insights into wage garnishment limits and exemptions.
📍 Contact Information for Laborde & Daugherty
- Address: 924 Anacapa St, Suite 1T, Santa Barbara, CA 93101-2155
- Phone: (805) 963-4567
- Website: Laborde & Daugherty Official Website
📝 Debt Validation Requests: How to Challenge a Debt Collector’s Claim
When a debt collector contacts you, you have the right to request validation of the debt. This process ensures that the debt is accurate and that the collector has the legal right to collect it.
- Act Promptly – You must send a written debt validation request within 30 days of the initial contact.
- Information to Include:
- Proof that you owe the debt.
- Details about the original creditor.
- Documentation confirming the debt amount is accurate.
- Cease Collection Efforts – Once your request is received, the debt collector must stop all collection activities until they provide the requested information.
- Review the Validation – Examine the documents carefully. If there are discrepancies, you have the right to dispute the debt.
- Seek Legal Advice – If the collector fails to validate the debt but continues to pursue collection, consult with an attorney.
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💼 Wage Garnishment Limits and Exemptions: Understanding Your Rights
Wage garnishment allows creditors to collect debts directly from your paycheck, but federal and state laws limit how much can be garnished and provide exemptions.
- Federal Limits – The Consumer Credit Protection Act caps garnishment at the lesser of:
- 25% of your disposable income.
- The amount by which your weekly earnings exceed 30 times the federal minimum wage.
- State Laws – Some states offer greater protection, making it essential to know your local laws.
- Exemptions – Certain types of income cannot be garnished, including:
- Social Security benefits.
- Disability payments.
- Retirement benefits.
- Challenge Wage Garnishment – If garnishment is incorrect or causing undue hardship, you can file a dispute in court.
Related Reading:
- Can a debt collector threaten to serve me with paperwork?
- Do collection agencies sue and what to do next if I am sued?
📞 Get Legal Assistance
Dealing with debt collection and wage garnishment can be overwhelming, but you don’t have to handle it alone.
- Consult an Attorney – A legal professional can offer personalized advice based on your financial situation.
- Know Your Rights – If you’re facing debt collector harassment, you have legal protections. Learn how to fight a collection agency.
If you’re dealing with debt collection harassment, wage garnishment, or unfair collection tactics, reach out to a consumer rights attorney for help. Contact Consumer Rights Law Firm PLLC today at this link for a free consultation.