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Home/Attorneys/Kelley, Lovett & Blakey, P.C.
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Kelley, Lovett & Blakey, P.C.

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2912 North Oak Street, Valdosta, GA, 31602

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2912 North Oak Street
Valdosta, GA 31602
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Wage Garnishment Defense in Georgia
Georgia wage garnishment is capped at federal limits (25% of disposable income or 30ร— minimum wage) โ€” and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Georgia consumers facing debt-collection lawsuits have powerful defenses โ€” federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in Georgia
Georgia student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options โ€” IDR, PSLF, forgiveness โ€” also relevant.

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