When people are garnished, all kinds of thoughts and problems can arise. Here are just some of them. I won’t have money left over to pay my house or car note. You can’t garnish my paycheck. I won’t have money to pay my automatic deductions. I’ll just file bankruptcy.

You still have a couple of options. You can pay an attorney a few hundred dollars to stop your garnishment. An attorney may also charge you a couple hundred dollars to do a hardship letter for you. You can also go the court that issued your garnishment and get it stopped yourself. Depending upon the court district you are in, the average cost may be $50 to $150.

You can do your own hardship letter or have one professionally done by myself for $50 to $75. The biggest thing to consider about a garnishment is not the garnishment itself. Your biggest issue to resolve is why you were garnished in the first place. Garnishments just don’t happen overnight.

You have been behind in your debt at least three to six months, have been notified of a court date at least thirty days in advance and have an opportunity to explain your situation in court. Every year millions of Americans get garnished because they get behind on a bill, do not try to contact a creditor or collection firm and ignore a summons and complaint. If you believe that you are in danger of having this happen to you, you can give me a call at 313-744-5977 or e-mail me at [email protected].