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 A wage garnishment is a legal request from a creditor to take money directly from your paycheck before you get paid. If you owe taxes or fall behind on your federal student loans, the government can make such a request without a court order. All other creditors must obtain a judgment in a court of law before they can legally order your wages taken to repay a debt. The good news is that you'll usually get a notice first and depending upon when your employer calls in to order payroll, (known as the "payroll cutoff date"), you will have a limited amount of time to take action that might stop your wages from being taken. The amount of your wages that can be taken also depends on who is garnishing. The IRS can take up to 50% of your wages to pay back taxes, so a wage garnishment is going to hurt you financially if you don't take action to stop it. The amount that creditors can take ranges from 15% up to 50%. The easiest way to stop a wage garnishment from happening is to

 According to the author and company that this book is basically an advertisement for, Debt Cleanse, Americans have been duped by creditors, credit card companies and other corporate entities into carrying on several self-serving relationships based on long-term or extensive term debt. Mr. Newbery narrates the story of his problems when an unexpected natural disaster turned his business and enterprises into huge debts. He went from successful to broke and owning $26 million in debt in the matter of a few days following an ice storm. Instead of following the way of many in America, from the poorest to the wealthiest, he did not choose bankruptcy. He made the decision to not pay his debts, any of them. He embarked on this plan and has adhered to that and learned the lessons that he presents here in this book. Reading the introduction and the first 3 chapters leaves one with the impression that he was able to do this with large amounts of help from friends and especially the company tha