You look at your paycheck week by week, and you find that you’re getting your wages garnished. Unfair? Probably not, because there’s a good chance that you owe that company money. How would you like it if you were to lend someone money, and they didn’t pay you back?
Regardless, let’s get off the rant here. If your state deals with garnishment of wages, there are some things that you can do to stop it. If you think that they are garnishing your wages illegally, you’ll be able to have a ground to stand on.
If you really do owe the wages, you will find that you may not have a ground to stand on. But, here are some things that you can do, when you’re looking to stop garnishment.
#1 Don’t avoid it
If you’re afraid that a company is going to garnish your wage, then there is something that you can do. What you’re going to find out is that most people ignore their debts. They don’t answer the phone, and they don’t show up in court. If your employer receives a notice that they have to garnish wages, they will have to do it with no questions asked.
#2 File a “Claim of Exemption”
Let’s say that a company garnishes your wages, and you find that you can’t even live on a day, by day basis. If this is the case, where you don’t have enough money to live, you will find that you can file a form called a, “Claim of Exemption.” This is going to tell the courts that you need money to live everyday, and you simply don’t have enough.
If you do decide that you will want to go this route, you will simply go down to a local courthouse, and request that you want to file this paperwork. When you show up in court, you must prove with income statements, bills and more that you can’t afford to live.
It’s hard to stop garnishment
I will tell you the truth. It’s going to be hard to stop a garnishment. Your best bet is to suck it up, and pay it off in full. What you’re going to find out is that it’s going to be costly to get a lawyer, and you may owe double in the long run. This is something that you probably don’t want.
In the end, while you can try some of those tips above, if you owe the debt, you’re going to have a hard time getting away with stopping it.
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