garnish wages

Hi, welcome to the community.

Unfortunately, once a garnishment begins it's very difficult to stop it. This is considered a consumer debt, so you will be garnished 25% of disposable wages in all garn allowable states. I'm sure you are in a state that allows them, As they are federally mandated and in a non-garn state your accounts would be levvied in place of a garnishment. I'm also assuming that you OR your grandfather were served appropriate papers notifying of a court date. Unfortunately, the papers more than likely went to your grandfather and he possibly didn't notify you, thinking it would not affect you.

What you CAN do is file insolvency, if you can prove that you are financially unable to afford this. I have never seen a garnishment completely dropped this way, but I have seen 25% reduced to 15%. You can ask about this at your courthouse, or ask your HR dept for help. Basically, the only other way you could stop this is to file BK, but if this is your only major debt I wouldn't reccomend it..A judgement is bad on your credit report, you don't want a BK on top of it.

I'm sorry this happened to you. Please be sure to thoroughly read anything you sign. If you're not sure, don't sign it!