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How do I stop a garnishment? Option 1: Don't allow a judgment to be entered against you. Option 2: Challenge the judgment. Option 3: Don't expose assets to garnishment. Option 4: Reduce the amount that is being garnished (wage garnishments only) Option 5: Settlement. Option 6: Bankruptcy.
Dear Sir/Madam, I am writing to request that you stop the wage garnishment that is currently being imposed on me. I am unable to make the payments at this time due to [insert reason, such as financial hardship]. I have attached documentation that supports my claim.
If after December 5, 2022, then the new law which only allows for 10% garnishment is in place. The employer should look at the garnishment package to see when the judgment was effective as that will dictate whether 25% or 10% of the employee's non-exempt disposable earnings can be garnished.
You must file a Garnishee's Answer with the Court Clerk within 10 business days after you receive the Writ of Garnishment and Summons. Within 10 business days after you receive the paperwork listed above, fill out a Garnishee's Answer (Earnings)(FORM 6) and file it with the Court Clerk.
File a motion to set aside judgment: Challenging the judgment is a valid way to stop the garnishment if you did not know there was a judgment against you. You normally require an attorney to navigate the technical parts for you.