Stopping Wage Garnishment in North Dakota

Understanding how to stop wage garnishment in North Dakota is the most important thing a debtor can do. Just because a judgment has been obtained does not mean that the situation will not change until the debt is satisfied. There are options available that can change the situation for the better.

Options for Stopping Wage Garnishment in North Dakota

It is best to have a lawyer assist with getting any of these accomplished. However, being informed of what the options are is very important.

  • Claim of exemption. This is where the debtor asks the court to allow income to be exempt from garnishment. Essentials for day to day life fall under this category, such as vehicle fuel, utilities, and food.
  • Create a debt settlement plan. This involves entering into an agreement with the creditor to pay them a set amount every month to settle the debt. The goal is to get the creditor to stop garnishing wages while the payments are being made. There is usually language allowing the garnishment to re-start if a payment is missed.
  • Creditor negotiation. Similar to debt settlement, but may or may not allow for payments to be made. The debtor and creditor both sit down and agree to a lower total sum to be paid. The creditor can accept payments or a lump sum.
  • Bankruptcy. This is the ultimate end game to wage garnishment. The creditor will most likely see very little or nothing at all of the debt that is owed. It is beneficial for the debtor as it will eliminate a majority of debts owed, and provide for a fresh start.

Hire an Attorney

The best way to handle a wage garnishment situation in North Dakota is to hire a lawyer. They have the means and ways to play hardball with creditors, and work to obtain the most favorable settlement for their client.

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