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Stop Wage Garnishment Before it Happens

Having trouble paying the bills you have now? Imagine taking a 25% pay cut.

That’s the danger for those who don’t stop wage garnishment in its tracks. Many people don’t know that a credit card company, cell phone provider, or virtually any other company can take money straight out of your paycheck to cover a debt.

Garnishment is a legal mandate that your employer withhold money from your paycheck and pay the creditor in question. A simple filing process and court approval allows them to contact your employer and instruct them to take money out of your paycheck to pay your outstanding debts. And more and more, garnishments are how collections agencies are getting paid.

If you want to stop wage garnishment, you can’t afford to ignore your debts. You may have drawers full of collections notices that you haven’t read, or you may have disconnected your phone to avoid the collections calls. This is normal — if you don’t know how to eliminate your debt or stop wage garnishment, you may not know where to start.

How can you stop wage garnishment?

  • Pay your debts. Sure, this works, but how practical is it? If you’re struggling with debt, you probably don’t have the money right now to pay off your debts. And since multiple creditors can file against you, unless you pay off all of your debt, you can’t guarantee that you’ll stop wage garnishment.
  • Work with your creditors on a payment plan. Try opening those collections notices and calling the number that they provide. Ask if they offer a payment plan. Offer a small payment each week or month that you know you can make consistently. Some creditors may work with you, but if the debt has already gone to collections, they may be less forgiving. Collections agencies make their money based on what they collect, so if they have a choice between a payment plan you might pay, or a garnishment that’s guaranteed, you can guess which is more attractive.
  • Get legal help. The best way to fully evaluate your options to stop wage garnishment is to get professional help. Although creating a payment plan may be a good first step, the creditor doesn’t have to abide by your agreement, so it doesn’t truly stop wage garnishment.  And the small payments you make may mean that you’re never truly debt-free. Consulting an Ohio bankruptcy lawyer can help you fully understand your options for eliminating your debt so you can make an educated decision.

It’s hard to stop wage garnishment alone


Big companies and collections agencies have entire departments of lawyers and experts whose job it is to get your money. Even your best efforts at fixing the situation may not be enough. Our Columbus bankruptcy attorneys can give you the support and answers that you need to stop wage garnishment and pursue bankruptcy if it’s right for you. Contact us today to schedule your free bankruptcy consultation.