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Home/Attorneys/Roscich & Martel Law Firm
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- Attorneys in Naperville, | CGMIMM

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214 1/2 South Washington Street, Naperville, IL, 60540

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+1 630 793 6337
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214 1/2 South Washington Street
Naperville, IL 60540
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Wage Garnishment Defense in Illinois
Illinois wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in Illinois
Illinois consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Illinois 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 — IDR, PSLF, forgiveness — also relevant.

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