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How to Stop Wage Garnishment

If you owe money, such as child support or back taxes, a court may order that your wages be garnished.  This means that your employer deducts money from your paycheck, which is used to pay your debts.  While it is difficult to stop a wage garnishment once it has been ordered by the court, there are a few options open to you.

One way to stop wage garnishment is to negotiate with the person or organization that you owe money to.  If you are able to work out a payment plan, they can request that the wage garnishment be stopped.

If you are suffering severe financial hardship as a result of the wage garnishment, you may be able to stop the wage garnishment.  In order to do this, you need to file a “Claim of Exemption” with the court.  If you can then show how you are unable to meet your basic living costs because of your reduced pay, the judge may stop the garnishment.

Finally, if your debts are substantial, you might want to consider filing for bankruptcy.  Once you file for bankruptcy, a judge will issue a stay to stop almost all wage garnishments (although child support is usually an exception to this).  If you are successful, at the end of your bankruptcy petition your debt may be completely released.

If you have been subjected to a wage garnishment, you should consult with a lawyer as soon as possible.  An experienced attorney can review your situation and let you know what your rights, obligations, and options are.

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