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What is a garnishment? A garnishment is basically a legal collections tool where a creditor obtains a court order compelling an employer to withhold a portion of an employee’s wages. The amount that can be withheld is capped at 25%, however, the percentage may vary depending on the state issuing the garnishment and the type of debt. The cap applies to all creditors, meaning 25% is the most that can be withheld at any one time. Garnishments, however, are not limited to wages and can involve one time garnishment of bank accounts or personal property.
Employers are not permitted to take adverse action against their employees who file for bankruptcy. Debtors are protected by 11 U.S.C. sec. 525(b). Section A applies to governmental units and Section B applies to private employers. In all my years of practice, I have never had to bring an action or even threaten to bring an action under Section 525. Most employers understand the stress their employees are under and are not insensitive to their plight. More people have filed for bankruptcy than you think...
A common question is whether or not a debtor can keep a credit card after filing for bankruptcy protection and do I have to list the cards I want to keep. If you owe a balance at the time the bankruptcy petition is filed, you must list the debt. This applies regardless of the amount of the debt. If you are worried that you cannot live without a credit card there are a few options. A credit card with a zero balance does not need to be listed and can be used after you file the bankruptcy petition. If you have a card with a low balance, you should pay it off before filing for bankruptcy.
The Federal Trade Commission has created guidance for consumers on whether debt relief or bankruptcy may be right for them.
Idaho Legal Aid
Housing Advice Line: call us at (208) 746-7541 or apply online at our website.
www.idaholegalaid.org
Intermountain Fair Housing Council
208-383-0695 in Boise area or 1-800-717-0695 (toll free)
Idaho Human Rights Commission
208-334-2873 in Boise area or 1-888-249-7025 (toll free) or 208-334-4751 (TDD/TTY)
Rental and utility assistance is available for low income families who are unable to pay their current rent or utilities due to the COVID-19 pandemic or the related economic crisis.
If you live within Ada County or the City of Boise, contact the Boise City Ada County Housing Authority for rent/utility assistance: https://erap.bcacha.org/.
Below is a list of programs for homeless veterans in Idaho:
Ada County Programs
The Idaho Division of Veterans Services operates three Veterans Homes in Boise, Lewiston and Pocatello. All three homes share a common goal of providing responsive medical and supportive care to veterans who can no longer provide for themselves. The quality of life for veterans is their primary focus and we provide an environment that supports privacy, independence, comfort and security, while meeting social needs.
The Consumer Financial Protection Bureau (CFPB) created a new tool that allows renters and landlords to find rental assistance programs in their area.
To use this tool, please visit: www.consumerfinance.gov/renthelp
Do you know what a place of public accommodation is? Did you know that places of public accommodation must be accessible to persons with disabilities?
To learn more, please view our Public Accommodations Guide, which covers state and federal protections for persons with disabilities in places of public accommodation.
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