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Stopping Wage Garnishment through Court

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Publication date: 22.07.2025
Reading time: 4 minutes
Number of views: 13
Stage Term (days) Cost
  • 1
    Stage 1: Initial Consultation and Garnishment Legality Analysis
    5 $363.00

    Stage 1: Initial Consultation and Garnishment Legality Analysis

     

    Attorney's Actions:

    • Review of wage garnishment order and supporting documents.
    • Verification of order compliance with federal/state laws (e.g., exceeding 25% income limit, notification violations, time-barred debt).
    • Determination of legal strategy: complete termination, partial modification, or restructuring.
  • 2
    Stage 2: Preparation and Filing of Court Petition (Motion to Vacate/Modify Garnishment)
    10 $1,210.00

    Stage 2: Preparation and Filing of Court Petition (Motion to Vacate/Modify Garnishment)

     

    Attorney's Actions:

    • Gathering evidence of garnishment illegality/excessiveness (employment records, tax documents, collection letters).
    • Preparing court petitions (e.g., Motion to Vacate Judgment, Claim of Exemption, Motion to Modify Garnishment).
    • Serving copies to involved parties: employer, creditor, collector.


    Cost: $500–$1,200 (flat fee or $200–$300/hour)

  • 3
    Stage 3: Court Hearing and Client Representation
    21 $1,452.00

    Stage 3: Court Hearing and Client Representation

     

    Attorney's Actions:

    • Representing client's interests in court (orally or in writing).
    • Presenting arguments about garnishment illegality/inappropriateness, citing state laws.
    • Negotiating with creditor or collector for voluntary termination/modification of terms.
  • 4
    Stage 4: Court Decision and Enforcement
    7 $363.00

    Stage 4: Court Decision and Enforcement

     

    Attorney's Actions:

    • Obtaining court order to terminate/modify garnishments.
    • Serving the order to employer's HR department for immediate payroll adjustment.
    • Monitoring actual cessation of wage deductions (follow-up), including additional notices/complaints if needed.
  • 5
    Stage 5: Follow-up for Repeat Collection Attempts
    365 $363.00

    Stage 5: Follow-up for Repeat Collection Attempts

     

    Attorney's Actions:

    • Responding to new garnishment demands (from new collectors or creditors).
    • Filing additional objections or complaints if client rights are violated.
    • Representation in future proceedings if case reopens.

     

    Duration: case-by-case (as needed)
    Cost: $150–$300/hour or separate package $500+

In general
408 $3,751.00

Stopping Wage Garnishments Through Court

Continuous wage garnishments can significantly impact your financial situation. If you believe such garnishments are unlawful or excessive, an attorney can help stop them through legal action. Our wage garnishment termination service includes comprehensive measures to legally protect your income.

 

What's Included in Wage Garnishment Termination Service

Legal assistance for stopping garnishments covers:

  • Case analysis and review of garnishment documents;
  • Verification of garnishment legality (proper court order, notification);
  • Preparation of court motions to cancel/stop wage garnishment;
  • Court representation;
  • Negotiations with collectors or employer;
  • Legal processing of garnishment termination orders.

In more complex cases, the service may include bankruptcy filing (for multiple debts or collection cases) to stop all active garnishments.

 

Why Hire a Lawyer to Stop Wage Garnishments

Court-ordered garnishment termination requires strict procedural compliance. DIY petitions or collector negotiations without legal support often fail. An attorney will:

  • Assess creditor actions' legality;
  • Quickly prepare necessary documents;
  • Ensure court deadlines are met;
  • Reduce risk of further garnishments or sanctions.

Specialists also help avoid overpayments or duplicate collections due to errors in court orders.

 

Conditions for Stopping Wage Garnishment

Garnishment termination is possible when:

  • Amount exceeds legal limits (e.g., over 25% of disposable income);
  • Debtor wasn't properly notified;
  • Debt was fully paid but garnishments continue;
  • You face financial hardship qualifying for reduction/termination;
  • You filed for bankruptcy (requiring automatic garnishment stop).

An attorney can analyze your specific case and determine the optimal termination approach - judicial or administrative.

 

Attorney's Role in Wage Garnishment Cases

Attorneys perform key functions:

  • Advise on rights and options;
  • Gather evidence proving garnishment illegality/excessiveness;
  • Prepare/file motion to terminate garnishment;
  • Defend you in court or creditor negotiations;
  • Enforce court orders stopping garnishments.

Additionally, attorneys ensure garnishments aren't unlawfully reinstated.

 

 

Consulting an attorney helps protect your income, restore financial stability, and stop unlawful creditor actions.

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  • Is a portion of your wages currently being garnished by court order or creditor action?
  • Do you believe the garnishment is being carried out without proper notice or legal basis?
  • Does the garnished amount exceed 25% of your post-tax income?
  • Are you facing financial hardship that makes it difficult to pay the debt?
  • Has the debt been fully paid, but the wage garnishment is still ongoing?
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