Sunday, October 28, 2007
More non-expert advice from Creditwrench
In response to a recent question by a consumer who is facing a garnishment order and is fearful of losing his job because of it, CREDITWRENCH CEO Bill Bauer offered the following advice:
your employer cannot fire you because you have a garnishment. If they did that would be a violation of federal law....
As has been proven so many times before, Creditwrench CEO Billie Bauer is entirely unfamiliar with consumer protection statutes, but nevertheless continues to provide dangerous advice based upon them.
The Federal Law which governs garnishment of wages is the Consumer Credit Protection Act.
Under the Act, a consumer is protected from termination of employment for the garnishment of their wages for a single debt. See 15 U.S.C. 1674
If garnishment for more than one debt is involved, the law offers no protection from termination.
So in this case, if the consumer already has a garnishment order in place for another debt, and his employer receives a writ of garnishment for another debt, the employer can legally terminate their employment.
But, Creditwrench CEO Bill Bauer failed to ask the simple question of whether or not the consumer was being garnished for another debt before advising him that:
your employer cannot fire you because you have a garnishment. If they did that would be a violation of federal law....
More false, misleading, and dangerous advice from Creditwrench CEO Billie Bauer.
