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Collect evidence showing how detrimental the wage garnishment is to your financial stability or how you qualify for an exemption. In either case, the creditor may agree to a solution that doesn't involve a garnishment, such as an adjustment payment plan or a settlement for a lump sum.
Information in the Letter Other items in the letter are how often the deductions will occur, when they will begin and how long the deductions will last. You must also include who requested the garnishment, such as a state agency, court or business, as well as information on how the employee can stop the garnishments.
After a creditor has been granted a judgment by a South Dakota court, the garnishment process begins. It doesn't have to start right away. Under state law, a creditor can garnish your wages up to 20 years after getting a state court judgment.
Act quickly to prevent wage garnishment You can file a Claim of Exemption any time after wage garnishment has started, but you'll only get wages back from the time after you submit the claim. If you act quickly, you can stop it before it even starts. By law, your employer cannot fire you for a single wage garnishment.
Generally, South Dakota's garnishment law is more restrictive to creditors garnishing wages than the Federal law. South Dakota makes available a maximum of not more than 20 percent of the debtor's disposable income, while Federal law permits garnishment of non-exempt wages at 25 percent.
Debt collectors have a certain number of years they can sue you and win to collect a debt. It's called the statute of limitations and it usually begins when you fail to make a payment on a debt. In South Dakota, the statute of limitations is six years.
Limits on Wage Garnishment in South Dakota In South Dakota, the most that can be garnished from your wages are the lesser of: 20% of your disposable earnings for that week, less $25 per week for each dependent family member who resides with you, or.
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.