DUH!

I need in on these studies. You know, the type of studies that conclude that water makes things wet. Take for instance this AP study that shows bankruptcies are higher in States that allow wages to be garnished. Is this really a surprise to anyone? Seriously. If a person cannot make their payments to you when they are bringing home the 60-75% or so that the State lets them bring home, how do you expect them to make it when you take 25-50% of the remaining? At that point you are simply asking them to go to extremes to avoid you. Worse for the company, in some States, including Colorado, if a person declares bankruptcy the Court will take the money that was garnished and divvy it up amongst all the creditors so they simply wasted money collecting it.