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A 1968 federal law allows debt collectors not only to garnish wages but to take from a debtor's bank account. Consumer advocates say the outdated law is overly punitive and out of touch with reality.
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One in 10 working Americans between the ages of 35 and 44 is getting his or her pay docked for not paying debts. And in most states, the law allows a quarter of wages to be withheld.