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If the debt is still with the original lender or creditor and they've already won a wage garnishment court order, it may be difficult to negotiate a payment plan, but it's still worth asking. Call the creditor and explain your situation. Ask if there are options to get on a payment plan that you can afford.
At a minimum, your written objection to the garnishment should include the following information: the case number and case caption (ex: "XYZ Bank vs. John Doe") the date of your objection. your name and current contact information. the reasons (or "grounds") for your objection, and. your signature.
Information in the Letter For example, you must clearly write the employee's full legal name and Social Security number, as well as the date. The notice should include why the employee is receiving the notice, such as not paying child support, as well as the actual percentage that will be deducted.
The order requires your employer to give the creditor a part of your paycheck. You have a right by law, to be paid a certain amount of your earnings regardless of claims by your creditors. In general, this amount is 75% of your earnings.
Respond promptly to the court order (if the order requires). The employer must return a statutory response form within the required amount of time (set by the court order). The form is typically sent to the employer with the garnishment order. Respond quickly to avoid the risk of a court-issued penalty.
Under this statute, for a general debt, a creditor can only garnish up to 25% of the debtor's disposable earnings, or the amount by which the debtor's disposable earnings exceed 30 times the federal minimum wage, whichever is less. If the garnishment exceeds this amount, it may be invalid.
At a minimum, your written objection to the garnishment should include the following information: the case number and case caption (ex: "XYZ Bank vs. John Doe") the date of your objection. your name and current contact information. the reasons (or "grounds") for your objection, and. your signature.
How to Stop a Wage Garnishment in Kansas. You have several available options for stopping a wage garnishment in the state of Kansas. Those options include paying off the debt and avoid judgement from creditors, appeal to the court, negotiate a payment plan, or file for bankruptcy.