If you have received notification that you may soon have your paychecks garnished for debts that you have fallen behind on, you may want to take action to stop the garnishment from happening. Otherwise, the garnishment will take place and your creditors may take much more from your paychecks than you would have paid with a standard payment arrangement. To avoid that from happening, you will want to refer to the following suggestions.
Look For State Assistance
The type of help that may be available, if any at all, will vary from one state to the next. However, it is certainly worth looking into. Some states may step in and put a stop to the garnishment if you can prove that the garnishing of your paychecks will cause you a large financial hardship and you need that money to support your own family. You can get in touch with the clerk of court at your local county courthouse or speak to a reputable lawyer to determine what options you may have through your state.
File An Objection To The Garnishment
Once you receive the notice of a garnishment, you will have the opportunity to object to it. You will need to fill out the appropriate forms so your case can go before a local judge. You may be able to get the judge to agree to set you up on a payment plan instead of the garnishment. If the garnishment still happens, you may be able to at least get the percentage of what will be garnished lower than what it would have been if you did not appeal. This way, you can be sure to have some of your own money left for living expenses.
Seek The Assistance Of A Debt Counselor
If you can find a debt counselor that will be able to work with the financial situation you are dealing with, then there is a good chance that you can have something set up. All you need is for the creditor to agree to it and then they will not move forward with the garnishment. Just make sure that you are sticking with the new plan so you will not have to worry about any future threats of wage garnishment.
Whatever action you decide to take, it is vital to make sure that you are doing it right away. The longer you wait, the more likely it is that you will accidentally miss your deadline and your wages will be garnished. Contact a lawyer, like Donald T Tesch, PS, for more help.