All guidesGarnishment
A garnishment notice came. Here's the next 10 days.
A garnishment notice usually means a creditor has a judgment against you. Here's what happens next, and what you can do in the next ten days.
Leonor Aldana, Associate attorney5 min read
What the notice means
A court has given the creditor permission to take part of your wages. Your employer will get its own copy and has to start setting part of each paycheck aside for the creditor.
What your employer has to do
Payroll follows the order. They can't fire you over a single garnishment, and they have to stop as soon as they get notice that you've filed for bankruptcy.
Your options
- Pay the judgment in full, if you can
- Offer the creditor a settlement
- Ask the court for an exemption, where one applies
- File a bankruptcy case, which stops the deductions
What to send us
A photo of the notice, your last two pay stubs and a list of any other debts. We'll tell you on a free call whether filing makes sense, or whether one of the other options costs you less.
This guide is general information, not advice about your case.