A wage garnishment is a way a creditor can receive repayment for a debt regardless of whether a person want to make payments. Traditionally, a creditor must go through the legal process of obtaining a judgment against an individual to proceed with the garnishment.

How Can I Stop a Wage Garnishment in Oklahoma?

One way to stop a wage garnishment in Oklahoma is via the statute of limitations. Creditors in Oklahoma have to seek a garnishment:

  • Five years for a written contract
  • Three years for a foreign judgment
  • Five years for a domestic judgment

If a creditor files a garnishment after the statute of limitations has expired, it will be stopped.

Do I Have Options if the Garnishment is within the Statute of Limitations?

Yes. One option is to file bankruptcy. Bankruptcy is the court process allowing a business or individual to obtain relief from their debts. The goal of bankruptcy is to give a fresh financial start while being fair to the debtor’s creditors. Bankruptcy has two types of chapters:

  • Chapter 7
  • Chapter 13

The type of bankruptcy a person files depends on their debts and ability to repay.

How Can Bankruptcy Stop a Wage Garnishment?

It’s has an automatic stay. The stay allows a debtor to obtain instant relief from the garnishment.

Can the Automatic Stay Stop My Wage Garnishment for Child Support or Taxes?

No. A wage garnishment can’t stop the wage garnishment for domestic support and child support debts.

Should I Talk To a Lawyer About My Wage Garnishment?

Yes. If your wages were garnished by a creditor and you live in Oklahoma, contact a lawyer. Your lawyer will start working immediately to stop the wage garnishment. Your lawyer will also inform you of all the legal option you have for stopping the garnishment.