Stopping Wage Garnishment in Alabama

Stopping a wage garnishment in Alabama is possible depending on financial circumstances. For instance, to stop wage garnishment, a person can contact the creditor who obtained the garnishment against them and negotiate a settlement or payment arrangement. This means that if the person and creditor can agree to a weekly or monthly payment schedule or a less amount that the original judgment, then the wage garnishment is stopped. However, it can be restarted if the person fails to complete the agreement. Another option is to go through a debt settlement organization that will create a debt settlement plan for the person to pay. The creditor may also agree to stop the wage garnishment as long as the payments are made. Nevertheless, if an Alabama resident doesn’t have the money to negotiate, they can still stop a wage garnishment.

Return to the Court that Issued the Judgment

For a creditor to obtain a wage garnishment, the person or company must sue in court. A judge then grants the judgment which allows them to obtain a writ of garnishment. However, the Alabama resident on the receiving end the judgment can return to the local court that issued the judgment. To stop the wage garnishment, the individual must prove that they can’t pay debts such as rent and utilities because of the garnishment.

File Personal Bankruptcy

To stop a wage garnishment, a person can file bankruptcy. The bankruptcy provides what’s called an automatic stay. This stay prevents creditors from collecting on the wage garnishment—in some cases forever.

Seek Legal Help

A wage garnishment can throw anyone into a financial tailspin. Therefore, to avoid having less money to pay necessary bills, a person may have to stop the garnishment against them. An Alabama lawyer who specializes in wage garnishment can help.