If you have defaulted or had a court judgment against you, a judgment creditor will get a wage garnishment. This is relatively quick and cheap. The only options now are:

• qutting your job

• claim that your pay is below the poverty line

• claim other wage garnishments are already in effect 

• or file for bankruptcy.

The best defense, however, to protect wages is to file bankruptcy and get your money back from the sheriff.  This is because the court will “split the baby” if you claim poverty and give your judgment creditor some of your pay–or,  if it senses that you are only stalling, completely deny the claim.

The IRS is even more efficient if you owe back taxes for the poverty line is so low that you will be eating “beans” until the tax bill and penalties are fully paid.

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