How to Stop Wage Garnishments?

On: May 29, 2020

Wage garnishment occurs when a court issues an order instructing your employer to withhold a portion of your paycheck and to send it directly to a creditor that you owe money. In general, wage garnishments continue until the debt is paid off in full or otherwise resolved.

Stopping Wage Garnishments

One strategy to deal with the wage garnishment is simply to pay it off in installments. If a creditor has a ruling against you for a debt, you might want to consider an installment payment plan to repay the debt. You can set up an installment plan through court order or through an agreement with the creditor. Getting an installment payment plan through a court order usually protects your wages from being garnished. If that’s not possible, there are other ways to stop the wage garnishment.

Seek Legal Advice

Laws on how to object to a garnishment vary from state to state, so it’s important to talk with an attorney familiar with the regulations where you live. Visit Leading Tax Group to find a lawyer or legal advice if your wages are garnished, or funds are frozen or removed from your bank account. There is a short window during which you can object; it could be as little as five business days.

Get Debt Counseling

A consumer credit counseling service (CCS) is a non-profit agency that may help you stop a wage garnishment. They can help you negotiate and reach an agreement with your creditors to pay them over time. If your creditors agree to this group payment plan, then you cannot be garnished as long as you make your payments.

Negotiate With Your Creditor

Negotiating with your creditor is another way to end your wage garnishment. Look at your budget and see what you can pay. Then you get your creditor to agree to a repayment plan for you to pay a lower monthly amount than the garnishment. This is usually a successful strategy.

Objecting to the Wage Garnishment

If you believe the judgment was wrong or is causing undue harm to your personal finances, you can object to the garnishment in court on a number of possible grounds. Objecting to the wage garnishment is about proving your legal eligibility for a change or reversal of the judgment. Leading tax group can help you decide whether objecting to the garnishment is the right route for you. If you believe you have possible grounds to challenge the garnishment, the judgment notification you received will have information about how to proceed. You must submit your written objection to the proper court as soon as possible. Including inaccurate information or waiting too long could result in the garnishment proceeding as ordered.

Objecting Because of Financial Hardship

There’s a relatively simple process to object to garnishment if it would prevent you from affording basic necessities, but how you do it solely depends on which type of debt led to the wage garnishment.

Objecting to Incorrect Judgments

It can be more complicated to object to a garnishment that you believe was incorrect. Get legal help for the best way to proceed in this matter. You can most likely file a claim of exemption to prevent the funds from being garnished, but you’ll still have to address the underlying cause of the mistaken judgment. Erase the Wage Garnishments If you’re buried in debt and can’t pay for your basic necessities, solving the wage garnishment may only be a  temporary relief. If bankruptcy is the only way left for you, filing for it will temporarily stop wage garnishment while your bankruptcy case is pending. The creditor will receive a  notice from the bankruptcy court to stop garnishment shortly after you file, ending the garnishment permanently. Wage garnishment is a common problem for millions of Americans. It can be exhausting to have your wages garnished. But luckily, you do have some options to protect yourself and stop the wage garnishments. If you are having tax trouble or problems with the IRS, always make sure to call Leading Tax Group and don’t attempt to do it yourself.