How Can I Stop Wage Garnishment?

stop wage garnishmentThere is a way to STOP WAGE GARNISHMENT, but it is easier to prevent than to stop!

Most states allow a creditor who has been awarded a judgment concerning a debt owed to apply for a writ of garnishment that would allow them to garnish up to 25% of your net income.

This would be devestating!

We get many calls asking us to help AFTER THE FACT, and although we often can and do stop wage garnishment, it is not easy. Before we share a couple of ideas or techniques to try, it is important that you understand the process of a wage garnishment:

When you don't pay the debt you owe (and for the purpose of this article, let's talk about a basic unsecured credit card), the creditor starts contacting you with letters and phone calls.

They can be very annoying and in some cases the creditors will violate the Fair Debt Collection Practice Act (FDCPA).  You can STOP the CALLS , but for now, let's talk about stopping wage garnishemnt.

stop wage garnishmentIf the creditor cannot get you to start paying back the debt, they may choose to file a COMPLAINT in your local county courthouse.You will receive a SUMMONS, usually hand delivered, that states that you owe the debt and have 20-30 days to respond with an ANSWER to the court.

The "ANSWER" would be your legal (has to be filed correctly and there usually is a fee) explanation why you dispute the "CLAIM" and don't owe the debt.  For 99% of those who receive a SUMMONS, they owe the debt (even though the interest and late charges added are ridiculous!), so disputing the claim is usually a waste of time and money.


If you have some money set aside, call the creditor or attorney and offer a SETTLEMENT or arrange to repay the debt in monthly installments (called a STIPULATED AGREEMENT).

A SETTLEMENT is an offer to settle the debt you owe for less than the full amount.  A creditor may accept an offer of 50%-75% if you can make it in a lump sum or possibly in 3 payments. 

A STIPULATED AGREEMENT is really just an agreement between you and the creditor/attorney to repay all of the debt at a reasonable monthly payment at a state limited interest rate. As long as you don't miss any payments, they agree to not pursue the wage garnishment.

Since they have the JUDGMENT, and know you are employed, they are guaranteed to receive 100% of the debt owed plus filing fees and court costs, so you are not in a very strong negotiating position.

If trying to Stop Wage Garnishment on our own sounds intimidating, you may need HELP! 

For a FREE ANALYSIS OF YOUR OPTIONS, contact one of our Debt Solutions Specialists at 1-877-492-4109 OR simply click the link below.

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Tags: stop wage garnishment, oregon wage garnishment, stopping debt collection calls