ARE DEBTORS GETTING AWAY WITH MURDER?
How would you like it if you went through all of the expense and trouble of going to court and getting a judgment against a customer who owed you $4,000 and you still couldnt collect a cent? You may very well suffer this frustrating experience because our laws favor the debtor. This favoritism is evident in three areas of the law: (1) judgments, (2) bankruptcy, and (3) landlord-tenant relations. Judgments The judgment that you obtain against a debtor may be worthless and uncollectible if the debtor is not employed and has no property. Even if the debtor owns property or has income, in order to seize the debtors nonexempt property or garnish the debtors nonexempt wages, you must first ascertain the debtors place of employment and an exact description of the debtors property, including serial numbers. Even if the debtor is employed, federal law exempts from garnishment 75 percent of all disposable earnings per workweek or an amount equal to 30 times the federal minimum hourly wage, which
