No, we currently do not do business in the state of Delaware. If you are a resident of Delaware and currently are burdened by high levels of unsecured debt – including credit card accounts, personal loans, unpaid medical bills and private student loans, debt relief programs that include debt settlement and debt consolidation may be right for you. Debt settlement occurs when a debtor successfully negotiates a payoff amount for less than the total balance owed on a debt. Debt consolidation involves combining a variety of debts from different creditors into one single debt consolidation loan, simplifying the repayment process while resulting in a lower blended interest rate. Contact us here at United Settlement, where our experienced credit counselors possess relationships with the major credit card lenders and a broad understanding of the debt marketplace. We can help you achieve the peace of mind that comes with living a debt-free lifestyle.

Debt collectors can garnish wages in the state of Delaware, but only after suing a delinquent debtor and successfully obtaining a court judgment that allows for wage garnishment within certain restrictions. In Delaware, a creditor can garnish up to 15% of a delinquent debtor’s disposable income – which is defined as the amount of money remaining after legally mandated deductions from a paycheck – or 30 times the Federal minimum wage, whichever is less.

The responsibility for spousal debt largely depends on where a couple has lived – and whether that state is a “community property” state, or an “equitable distribution” state. Since Delaware is an equitable distribution state, debts incurred by one spouse remain that spouse’s debts alone – unless the debt relates to a family necessity – such as shelter, food, and tuition. Additionally, all accounts with both spouse’s signatures attached are jointly liable for any accompanying debts.