{"id":5431,"date":"2016-07-08T17:34:00","date_gmt":"2016-07-08T21:34:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/"},"modified":"2023-07-24T11:09:27","modified_gmt":"2023-07-24T15:09:27","slug":"cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/","title":{"rendered":"Cummings y Merkley presentan legislaci\u00f3n para proteger a los trabajadores de los cobradores de deudas depredadores"},"content":{"rendered":"<p><span style=\"font-size: x-large; font-family: 'times new roman', times;\">Washington, DC \u2014 El representante Elijah E. Cummings, miembro de alto rango del Comit\u00e9 de Supervisi\u00f3n y Reforma Gubernamental de la C\u00e1mara de Representantes, y el senador Jeff Merkley presentaron recientemente la&nbsp;<em>Ley de Equidad de Salarios y Embargos de 2016<\/em>&nbsp;(Ley WAGE) para proteger a los trabajadores de la p\u00e9rdida de sus cheques de pago completos debido a embargos bancarios y de salarios.<\/span><\/p>\n<p><span style=\"font-size: x-large; font-family: 'times new roman', times;\">\u201cLos cobradores de deudas depredadores utilizan lagunas en nuestras leyes para reclamar los salarios, las casas y los veh\u00edculos de las familias\u201d, dijo Cummings. \u201cLa Ley de SALARIOS limitar\u00eda la cantidad que un acreedor puede embargar de los cheques de pago y cuentas bancarias, restaurando la equidad en el proceso de embargo de salarios y permitiendo que los deudores contin\u00faen viviendo una vida normal\u201d.<\/span><\/p>\n<p><span style=\"font-size: x-large; font-family: 'times new roman', times;\">\u201cNuestras leyes de cobro de deudas est\u00e1n lamentablemente desactualizadas y, como resultado, las familias trabajadoras se ven presionadas contra la pared por cobradores de deudas depredadores, incapaces de cubrir los gastos esenciales para sus familias\u201d, dijo Merkley. \u201cYa es hora de actualizar nuestras leyes de embargo para proporcionar un camino justo a medida que las familias se abren camino para salir de la deuda\u201d.<\/span><\/p>\n<p><span style=\"font-size: x-large; font-family: 'times new roman', times;\">A m\u00e1s de cuatro millones de estadounidenses se les embargaron los salarios para pagar las deudas de los consumidores en 2013. Seg\u00fan la ley federal actual, actualmente se pueden embargar hasta 25% de los salarios de los deudores para pagar deudas de los consumidores, como tarjetas de cr\u00e9dito, facturas m\u00e9dicas y pr\u00e9stamos estudiantiles. Y la ley federal actualmente no brinda protecci\u00f3n para los salarios u otros activos en cuentas bancarias.<\/span><\/p>\n<p><span style=\"font-size: x-large; font-family: 'times new roman', times;\">Si bien muchos estados cuentan con leyes de exenci\u00f3n para proteger los art\u00edculos m\u00e1s b\u00e1sicos de las familias, a menudo no son suficientes. Maryland exime hasta $1,000 en art\u00edculos para el hogar y hasta $6,000 en ahorros del embargo, lo que permite a los cobradores de deudas embargar la casa o el veh\u00edculo de una familia; Oreg\u00f3n requiere que los cobradores de deudas dejen a los trabajadores un m\u00ednimo de solo $218 en salarios por semana, lo que deja a las familias por debajo del umbral de la pobreza; La ley de Vermont permite que las familias tengan una vaca, dos cabras, tres enjambres de abejas, pero solo un veh\u00edculo que valga menos de $2,500; y Pensilvania proporciona protecci\u00f3n para Biblias, uniformes militares, libros escolares y m\u00e1quinas de coser, pero solo $300 de propiedad adicional.<\/span><\/p>\n<p><span style=\"font-size: x-large; font-family: 'times new roman', times;\">Al no actualizar las leyes de protecci\u00f3n de la deuda, el Congreso ha permitido que los cobradores de deudas vac\u00eden cuentas enteras para saldar una deuda, dejando a una familia sin nada y destruyendo comunidades enteras.<\/span><\/p>\n<p><span style=\"font-size: x-large; font-family: 'times new roman', times;\">La Ley WAGE modernizar\u00eda las leyes federales de embargo de salarios y ayudar\u00eda a proteger a los trabajadores de perderlo todo. La Ley eximir\u00eda por completo del embargo a los trabajadores que ganan menos de $580 a la semana, indexados al salario m\u00ednimo. Bajar\u00eda la tasa m\u00e1xima de embargo de 25% a 15% para todos los trabajadores. Tambi\u00e9n protege una parte de los activos en las cuentas de dep\u00f3sito de un trabajador y proh\u00edbe a los empleadores tomar medidas laborales adversas contra los empleados sujetos a \u00f3rdenes de embargo.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, DC &mdash; Rep. Elijah E. Cummings, Ranking Member of the House Committee on Oversight and Government Reform, and Senator Jeff Merkley recently introduced the&nbsp;Wage and Garnishment Equity Act of 2016&nbsp;(WAGE Act) to protect workers from losing their entire paychecks to wage and bank garnishments. &ldquo;Predatory debt collectors use loopholes in our laws to claim [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-5431","post","type-post","status-publish","format-standard","hentry","category-in-the-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cummings, Merkley Introduce Legislation To Protect Workers From Predatory Debt Collectors - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cummings, Merkley Introduce Legislation To Protect Workers From Predatory Debt Collectors - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, DC &mdash; Rep. Elijah E. Cummings, Ranking Member of the House Committee on Oversight and Government Reform, and Senator Jeff Merkley recently introduced the&nbsp;Wage and Garnishment Equity Act of 2016&nbsp;(WAGE Act) to protect workers from losing their entire paychecks to wage and bank garnishments. &ldquo;Predatory debt collectors use loopholes in our laws to claim [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2016-07-08T21:34:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:09:27+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Cummings, Merkley Introduce Legislation To Protect Workers From Predatory Debt Collectors\",\"datePublished\":\"2016-07-08T21:34:00+00:00\",\"dateModified\":\"2023-07-24T15:09:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/\"},\"wordCount\":451,\"articleSection\":[\"In the News\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/\",\"name\":\"Cummings, Merkley Introduce Legislation To Protect Workers From Predatory Debt Collectors - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2016-07-08T21:34:00+00:00\",\"dateModified\":\"2023-07-24T15:09:27+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cummings, Merkley Introduce Legislation To Protect Workers From Predatory Debt Collectors\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\",\"url\":\"https:\/\/www.merkley.senate.gov\/\",\"name\":\"Merkley\",\"description\":\"Merkley\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.merkley.senate.gov\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-MX\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\/\/www.merkley.senate.gov\/es\/author\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cummings, Merkley Introduce Legislation To Protect Workers From Predatory Debt Collectors - Merkley","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.merkley.senate.gov\/es\/cummings-merkley-introduce-legislation-to-protect-workers-from-predatory-debt-collectors\/","og_locale":"es_MX","og_type":"article","og_title":"Cummings, Merkley Introduce Legislation To Protect Workers From Predatory Debt Collectors - Merkley","og_description":"Washington, DC &mdash; Rep. 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