Vermont USLegal Guide on How to Stop Garnishment

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Multi-State
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US-GDE-02
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Description

This guide provides an overview on garnishment law and how a person can stop a garnishment. Topics covered include general information and restrictions on garnishments of wages and bank accounts, as well as alternatives for stopping enforcement of a garnishment order.

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FAQ

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.

States that prohibit wage garnishment for consumer debt: North Carolina. Pennsylvania. South Carolina. Texas.

You can stop a garnishment by: Paying off the debt in full. Filing an objection to the garnishment with the court if you have legal basis, such debt was a result of fraud or identity theft. Filing for court protection and debt resolution through Chapter 13 or Chapter 7 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 you can qualify for one, a debt consolidation loan can be a viable option to stop wage garnishment, since it would provide a lump sum of cash that you could use to pay off your debt.

How to stop garnishments or other levies. The most effective way to stop garnishments or other levies is to pay in full. After you have paid, contact the number listed on your order. Have your payroll, bank, or other payor fax number prior to calling.

Vermont Wage Garnishment Rules The wage garnishment order can only take amounts over 30 times the federal minimum wage. Except that if the garnishment is for a consumer credit transaction, the greater of 85 percent of disposable earnings or 40 times the federal minimum wage is exempt.

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Vermont USLegal Guide on How to Stop Garnishment