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If the lender/collector sues the borrower and wins a judgment the judgment can be executed as a wage garnishment. The maximum under federal law being 25% of the judgment debtor's disposable income, with the first 30 x minimum wage allowance (weekly based) being exempt from attachment.

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Q: Can a credit card company garnish wages in Alabama?
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Can a credit card company execute a writ to garnish your wages in the state of Alabama?

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