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- Attorneys in Smithfield, | CGMIMM

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317 South 3rd Street, Smithfield, NC, 27577

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+1-919-934-9444
317 South 3rd Street
Smithfield, NC 27577
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Past results do not guarantee future outcomes. Communications do not establish an attorney-client relationship.

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Wage Garnishment Defense in North Carolina
North Carolina 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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North Carolina 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 North Carolina
North Carolina 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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