Oregon Challenge to Garnishment is a legal option available to individuals in the state of Oregon who are having their wages or bank accounts garnished. The challenge allows the individual to dispute the garnishment and have a court review the case. It is important to note that this challenge is only available in Oregon. There are two types of Oregon Challenge to Garnishment. The first is a 10-day challenge, which is available to individuals who have received a garnishment notice. This challenge allows the individual to dispute the garnishment within 10 days of receiving the notice, and the court will review the case and make a ruling. The second type is a 90-day challenge, which is available if the garnishment has already gone into effect. This challenge allows the individual to dispute the garnishment within 90 days of receiving the garnishment notice, and the court will review the case and make a ruling.