Wage Garnishment Question (law)?

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*~Cam's Mommy ~*

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I live in NC..here is our law for wage garnishment. Does this mean they can't take wages on credit card debt?? I'm confused. Thanks! Coud someone put this in dummy terms?

34. North Carolina Wage Garnishment

Unless the debtor has substantial funds on deposit and no family dependent on those funds for support, garnishment of wages is not generally helpful in collecting other claims except:

1. To enforce an order for child support (G. S. § 110-136),

2. To recover unpaid taxes (G. S. § 105- 242(8), 105-368, 106-9.4), and

3. To enforce a judgment for payment of medical services provided by a "public" hospital (G. S. § 131E-49),

Under G. S. § 1-362, the debtor's earnings for personal services within 60 days prior to the order cannot be applied to the debt if it appears that the earnings are necessary for the use of the debtor's family. Further, future earnings have been excluded from the scope of execution under Harris v. Hinson, 87 N.C. App. 148,360 S.E.2d 118 (1987).
 
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