"Though some protections exist for people struggling financially during the COVID-19 pandemic, thanks to the stimulus package signed into law on March 27, they largely ignore those who were already on the edge of financial ruin. The CARES Act has paused federal student loan debt payments and payments on federally-backed mortgages, and various cities and states have suspended evictions. But few states have stopped creditors from moving ahead with, repossessions, and attachments . This means that in many cases, the pandemic will tip people into an economic abyss from which it will be difficult or impossible to recover. Even the one-time $1,200 stimulus payments promised to millions in the U.S. can be garnished by financial institutions in many states."

“Garnishments are also coming from the, even though Secretary of Education Betsy DeVos announced on March 25 that the department would halt collection actions and wage garnishments for 60 days beginning March 30.”

“The recent labor unrest is in part fueled by uneven. While companies are prospering and the stock market hovers near all-time highs, the benefits haven't been felt by many workers, who are often stuck in temporary jobs with no benefits. Paradoxically, the strong economy also emboldens workers. When more jobs are available and unemployment is low, people feel more confident in demanding better pay and benefits. Many nonunion workers also want change. Those in the, many of whom are considered-s and thus not eligible to unionize or receive benefits, have been demanding higher pay and steadier hours.”

“About one-third of Americans have debts in collection, according to the. Total reached an all-time high in the last quarter of 2019, at $14.5 trillion, according to the. Unemployment checks are supposed to be protected from creditors, but even they are at risk of seizure once they are deposited into bank accounts. To protect their benefits, debtors must file a court motion, which is challenging in scores of jurisdictions where the coronavirus has closed most courts. People who do succeed in filing motions are being told they must wait weeks and sometimes months for their cases to be heard. In the meantime, the funds remain frozen.”

“The labor movement has long been struggling in the U.S., as fewer workers join unions and as high-profile organizing drives, like a June attempt to unionize Volkswagen employees in Tennessee, fall short. But American workers, feeling left behind as the economy grows around them, are joining together to demand a bigger slice of the pie. On Sept. 16, 50,000 workers walked off the job in their first strike since 2007, protesting idled plants and low wages. Nearly 8,000 Marriott workers went on strike in eight cities last year, while 31,000 supermarket employees in the Northeast did the same in early 2019. In the past year, tens of thousands of teachers walked out of their classrooms to demand better pay and funding. In all, nearly half a million workers participated in strikes and work stoppages last year, the most since 1986. The labor disruptions show no sign of abating.”

“Garnishments can occur after a creditor obtains a court judgement against someone who owes them money. Some people are not aware of the court hearings, often because they have not been informed by the creditor and don’t show up to argue their cases. But once a court gives the go-ahead, creditors are free to take a portion of a person's wages from their. A separate order allows them to seize money from an individual's bank account. requires that debtors are left with at least $217.50 a week in take-home pay—for a family of four, that's less than half the federal poverty level. Some states protect more income from creditors, but creditors aren't limited to targeting money. They are free to seize cars, even if a debtor needs a vehicle to get to work to earn the money to pay off their debts.”