Frequently Asked Questions
Short, direct answers to the questions people ask most.
Is the letter analysis live?
Not yet. The Upload Your Letter page currently runs in demonstration mode. You can try the upload steps, and we show sample reports built from fictional letters. Real analysis will launch only after privacy, security, and legal reviews are complete.
What happens to a letter I upload?
Right now, nothing leaves your device. In demonstration mode a file you choose stays in your browser and is not uploaded, stored, or sent to anyone. We will update our privacy policy before that changes.
Is SI Filing a law firm?
No. SI Filing is a consumer legal education website. We do not give legal advice, represent clients, prepare documents, or file anything with a court. For advice about your situation, contact a licensed attorney or legal aid office.
How long do I have to respond to a debt lawsuit?
The deadline is printed on your summons. In many states it falls between 14 and 30 days after you were served. Confirm the exact deadline with the court clerk.
What happens if I ignore the lawsuit?
The court can enter a default judgment against you. With a judgment, the creditor may be able to garnish wages or levy a bank account, depending on your state's laws.
Does filing an answer mean I admit I owe the debt?
No. An answer is your formal response. It lets you take part in the case and raise any defenses, such as the wrong amount, the wrong person, or a debt that is too old to sue on.
Can a collector sue me on a very old debt?
Each state sets a time limit, called a statute of limitations, for suing on a debt. Federal rules bar debt collectors from suing or threatening to sue on a debt once that limit has passed. If you think a debt is too old, raise it in your answer and talk with legal aid.
How much of my paycheck can be garnished?
For most consumer debts, federal law caps garnishment at 25% of disposable earnings, or the amount above $217.50 per week, whichever is less. Many states set stronger limits. Child support, taxes, and federal student loans follow different rules.
Can my Social Security be garnished?
Private creditors generally cannot garnish Social Security, SSI, or VA benefits. Banks must protect up to two months of these benefits when they are directly deposited. Some benefits can be taken for taxes, federal student loans, or child support.
Can I be fired because my wages are garnished?
Federal law prohibits an employer from firing you because your earnings are garnished for any one debt. That protection does not extend to garnishments for two or more separate debts, though some states protect more.
How do I find free legal help?
Start with the Legal Services Corporation's search tool or LawHelp.org. Many courts also run self-help centers that assist people without lawyers at no cost.
Does SI Filing charge for its guides?
No. Our guides and resource directory are free to read.
Have a question we did not cover? Contact us. We cannot give advice about your case.
Facing wage garnishment?
Learn what federal law protects and where state rules come in.