To what extent can banks garnish salaries ?

Recently, I met up with a friend of mine who had some credit card problems. It was also to my understanding that the problem had started recently perhaps 2 years back and he had made arrangements to pay for them. This he did and managed the repayments with minor misses. But, in the course of his repayments his salary was garnished forming a large percentage. In response I further thought;

1. Can a salary be garnished from a debtor who has a joint account?
2. How does the garnishment work? E.g. Creditor issues a warrant which enables the creditor to collect the amount directly from the debtors employer OR from the debtors bank once amount has been credited into it by the employer. .

You are invited to give me your thoughts and ideas below.

Check this out for some insights into bankruptcy.



*Comments given are merely ideas, views or opinions of the commentator. It does not serve as a guarantee in anyway to the reader. Everyone is free to post their own thoughts on blog topics here.

Understanding the Social Workers Viewpoint

 

At times certain people tend to abuse welfare systems offered by organisations in Singapore. In the course of my experience, I did come across several cheeky individuals who utilise financial help for other leisurely sometimes un recommended habits. The question is, can the social worker detect and qualify the individual? Can one discern between a genuine and a false individual accurately?

Below are some instances to boot;

 A) Alcoholics

 B) Freeloaders

 C) Drug Addicts

Feedback on these areas would be much appreciated just leave your valued comments below, thanks!

*Comments given are merely ideas, views or opinions of the commentator. It does not serve as a guarantee in anyway to the reader. Everyone is free to post their own thoughts on blog topics here.