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Debt > Wage Garnishments > How to Stop a Wage Garnishment |
How to Stop a Wage Garnishment Work out some sort of agreement very quickly with the other party. If you can't do that then perhaps your only option is to file bankruptcy very quickly. Filing bankruptcy legally puts a stop of wage garnishments. Filing bankruptcy stops all of your creditors' collection activities which is why it is often used as a weapon to avoid judgments. Can A Wage Garnishment Be Reversed? Once a writ of garnishment has been awarded, it is very hard to undo, but not impossible, particularly if the garnishment is eating up too much of your living expenses. If your wages are being garnished and you can't even afford basic necessities of living, then you can file a "Claim of Exemption" form with the court that issued the writ. You can obtain this form at your local courthouse. When you have your day in court, you should bring documented proof of your income and monthly living expenses, such as mortgage or rent payments, utilities, groceries, etc., in order to convince the judge to set aside the writ of garnishment. Paying A Writ of Garnishment If you lose in court or don't contest the garnishment, you can either pay it off in full or just wait until the day comes when your paycheck is no longer garnished. Regardless of the method you choose, make sure you obtain documentation from the creditor once the judgment has been paid in full so that you have proof you paid the debt. You might need this proof in the future if you want to obtain a loan or credit. Our debt kit includes 21 sample letters to effectively avoid a wage garnishment and negotiate with creditors and debt collectors for alternate repayment plans and reduced settlements. |
Debt > Wage Garnishments > How to Stop a Wage Garnishment |
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