in a attempt to collect by garnisheement , how can i lower p

Which company is taking out money? Please describe the situation for someone to give you the right advice?

If they are already taking money out for a court ordered garnishment, your chances of stopping it or lowering the amount are pretty close to none unless you file bankruptcy, which I would not reccomend simply to stop a garnishment. I have seen cases where the creditor and debtor work out arrangements and the garnishment is dropped, but I think in 6 years of my job I have seen that twice. Give us some more info, maybe there are other options.

There is a way you can get the amount lowered. I forgot what the paperwork is called though. You basically have to prove to them that you can't afford to provide for yourself or family at the amount being taken out now. They will want copies of your bills.. ect. I doubt full garnishment will stop but there is a chance it could get lowered.

I think that's a hardship tort..I've seen people do that, but it takes a long time, and since a garnishment is 90 days, it's almost useless.

My wages are currently being garnished. In WA the garnishment is good for 60 days and then the attorney has to file another garnishment for 60 days. They keep doing this until it's paid off. My employer holds the money until the 60 day garnishment is up and then they send it to the attorny's office. I have contacted them and they are willing to work out a payment plan with me. I can't work that out until they recieve the money from employer. The first garnishment just expired. So my advice would be to call them and work out a solution. Once they garnish your wages, the debt is pretty much yours. I've had my wages garnished a couple of times so I kind of know the process now.

I learn something new every day..I didn't know that Washington was 60 days, I thought 90 days was federal. Interesting!! As for how the money is sent, it depends on the creditor. Most of the time when I deduct a check for a garnishment, I send the money to the creditor either bi-weekly or monthly.

Finsfan, in Ohio, they used to have 90 days, now it goes as long as it takes to pay off the debt. I found that out when I went for the objection to the garnishment hearing. I'm guessing mine will take until the beginning of February.

wow..I guess that's kind of a mixed blessing. A big garnishment could go on for a long time.

That's true. I figure mine should be up the end of January/beginning of June. It seems like every time you turn around, they're changing the laws again.

Oops! That was a BIG blunder!! I meant end of January/beginning of FEBRUARY.

In Illinois, a wage deduction order is good until the debt is paid off, except every 90 days the creditor has to send an affidavit of the balance to the employer. But the affidavit only has to be mailed; the creditor doesn't have to keep going to court every 90 days.

Fascinating..I do payroll HR here in Michigan, and it's 90 days period. The creditor actually has to get another judgement to continue, which is why frequently creditors agree to payment arrangements after the first garnishment is finished. It's definitely a bonus for someone who is being garnished for a big consumer debt..Even if the creditor won't accept arrangements, the employee is usually able to buy a few weeks grace. I'm going to have to tell the employees getting garnished that they have it a lot better than paople in a lot of other states!

Yes, finsfan, it's funny how the laws are so different from state to state and how fast they keep changing. It's a wonder anyone can keep up with them!

I think they count on us NOT being able to keep up with them!