How to Stop a Garnishment of Wages While Living in Iowa and Working in Nebraska

When you're strapped for cash and finding it hard to pay basic living expenses, an order for garnishment of wages can be the kiss of death for your already overloaded budget. If you're living in Iowa and working in Nebraska and are served with a garnishment of wages order for an unpaid debt, there are a few ways you can legally stop the garnishment. But it won't be easy.

Instructions

1

Prove that the garnishment is more than 25 percent of your disposable earnings if you are in a dual-income family or 15 percent if you are the head of household. These are the highest garnishment amounts allowed by Nebraska law. If you can prove that the court order exceeded those limits, you can take the issue back to court to request a reduction in the garnishment amount.

2

Change jobs. Once wage garnishment is effective, your employer at the time is required by law to deduct the designated amount from your paychecks. If you change employers, however, the wage garnishment does not automatically follow you to the new place of work, and the creditor must start the garnishment process over. At that point, you can try to work with the creditor on a payment plan.

3

Declare bankruptcy. If the wage garnishment is affecting your ability to support yourself and/or your family, you might consider bankruptcy as a last resort. Bankruptcy is a legal proceeding that can either eliminate your debts or help you restructure them into a payment plan that fits your budget. Either way, bankruptcy can give you a little breathing room while you get back on your feet financially.