How to Stop Wage Garnishments & Reverse Judgements

Creditors can sue you in court for a past due balance and once they have a judgment against you, they can garnish your wages to collect funds owed to them. With a wage garnishment, employers are obligated to hold a percentage of your check, so these funds are used to repay the debt. Rather than lose part of your income, stop a wage garnishment early by satisfying the judgment against you.

Instructions

1

Communicate with creditors to stop a garnishment and satisfy a judgment. If you're past due on taxes, loans or other lines of credit, pay off your past due debt in full to stop a garnishment immediately. Creditors will then submit a satisfaction of judgment to the court to update your credit report. Negotiate a payment plan if you can't pay the full balance.

2

Make copies of money orders or save a copy of the canceled check used to pay off the balance. If the creditor doesn't stop garnishing your wages, these items provide evidence of payment.

3

End a garnishment and judgment with a bankruptcy filing. After filing bankruptcy papers with your local court, creditors receive notification of the filing; and by law, garnishments, liens and other collection attempts must stop immediately.