Q: How do I stop a garnishment of pay
A:
There are a few ways to stop a garnishment. First, if you are the defendant, you may have adequate grounds to file a defendant's claim form. This must be done within 20 days after the garnishee (generally the bank or employer) files their answer to the garnishment. Filing bankruptcy is another option to stop a garnishment. You will definitely need to consult with a bankruptcy attorney to determine if this is the best option. Lastly, if the creditor is willing, you may be able to negotiate for the release. Normally, negotiating will require you to make a good faith lump sum payment. I would strongly suggest any agreement be in writing. Consult with an attorney before making any decision, as they will have more specific questions about your particular situation to determine the best approach.
Wishing you the best.
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