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Home/Attorneys/Thompson Law
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- Attorneys in Effingham, | CGMIMM

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125 East Jefferson Avenue, Effingham, IL, 62401

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+1-217-347-5291
125 East Jefferson Avenue
Effingham, IL 62401
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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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Student-Loan Discharge in Bankruptcy in Illinois
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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