To stop wage garnishment takes an understanding of all the options available in Minnesota. For instance, in some cases if a Minnesota resident has more than one wage garnishment, the new wage garnishment may have to wait until the other garnishments are completed. This is because creditors can only take up to 25 percent of a person's paycheck—no matter how many creditors attach garnishments to the person.
According to Nolo, the threat of a wage garnishment is supposed to be a strong impetus to a person wanting to make arrangements to pay off the judgment. Thus, one option to stop a wage garnishment is to negotiation a payment arrangement with creditors. This means that creditors will stop the garnishment as long as the person pays them according to the agreement (every week, month, etc.).
Another option to stop a wage garnishment is agreeing to a debt settlement plan through a debt settlement organization. Instead of making a plan with the creditor, the Minnesota resident works with a debt settlement organization negotiates a payment with the creditors, but the person pays the organization that pays the creditors.
For a Minnesota resident who doesn't have the money to pay, he or she can still stop the wage garnishment through a claim of exemption. The person must go to the court that issued the judgment against him or her then request a hearing. At the hearing, the person should plead their case and show evidence that he or she can't afford the garnishment because they need the money for basic needs.
There are many options to stop a wage garnishment. Thus, a lawyer who specializes in wage garnishments in Minnesota should be contact to find out all the options available.