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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 you receive a notice of a wage garnishment order, you might be able to protect or exempt some or all of your wages by filing an exemption claim with the court. You can also stop most garnishments by filing for bankruptcy. Your state's exemption laws determine the amount of income you'll be able to keep.
Wage garnishments are typically reported to credit bureaus, such as Equifax, Experian, and TransUnion, which compile credit reports for consumers. Once a wage garnishment is reported, it will remain on your credit report for seven years from the date it was filed.
File a Claim of Exemption Another way to get rid of the garnishment, or at least reduce it, is to claim that some or all of your income is exempt from the garnishment. For example, if your income is already being garnished by another order, it could reduce the impact of any new garnishments.
Garnishment, or wage garnishment, is when money is legally withheld from your paycheck and sent to another party. It refers to a legal process that instructs a third party to deduct payments directly from a debtor's wage or bank account. Typically, the third party is the debtor's employer and is known as the garnishee.