Wage garnishment
A garnishment takes a slice of every check
Filing a case orders the creditor to stop, and we send your payroll office the notice.
A garnishment comes out of your pay before you see it, week after week, until the debt is paid. When a case is filed the court’s automatic stay applies, and the creditor may not keep collecting from your wages.
Money already taken before the filing usually stays with the creditor, which is why speed matters. The sooner a case is filed, the fewer checks are cut short.
Handled inside either flat fee
The notice to your employer’s payroll office
The letter to the creditor and its lawyer
A check that the garnishment actually stopped
A lawyer to call if it hasn’t
Week one
What to do the week a notice arrives
A garnishment starts with a letter from your employer or a court. These are the steps that count, in order.
Find the judgment
Note who is garnishing and for how much. A court judgment is behind most of them, and the date of that judgment matters.
Call us before the next payday
A case filed before the next check is cut means less of it is taken. Time counts more than anything else here.
Keep your pay stubs
Your last two months show the court what comes in. A stub with the garnishment line on it is the proof we need.
Garnishment questions we hear most
01Will my employer know?
Payroll receives a notice to stop deducting, so someone there will see it, but we write it plainly and nothing is said to your coworkers.
02Do I get back what was already taken?
Usually not. Money taken before the filing generally stays with the creditor, with a few exceptions we check for in your papers.
03Can I stop a garnishment without filing?
Sometimes, if the creditor will agree to a payment plan, or if the judgment was wrong. We look at that before suggesting a filing.
Call before the next payday
The sooner a case is filed, the fewer checks are cut short. Book a call, or ring us now.