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If that happens, the creditor will get a court order called a wage execution (also called a wage garnishment or wage attachment) that tells your employer to take money from your paycheck to pay back your debt. And the rules are different if the wage execution is for child support or Federal Student Loan debt.
If that happens, the creditor will get a court order called a wage execution (also called a wage garnishment or wage attachment) that tells your employer to take money from your paycheck to pay back your debt. There are legal limits on how much money can be taken out of your pay.
Generally, employers should honor multiple wage assignments in the order they were received. However, wage garnishments take priority over wage assignments.
(When it comes to wage garnishment, disposable income means anything left after the necessary deductions such as taxes and Social Security.) Either 25% or the amount by which your weekly income exceeds 30 times the federal minimum wage (currently $7.25 an hour), whichever is less.
You can stop the wage assignment by filling out the enclosed Revocation Notice Form, or by writing a letter stating that you are revoking the wage assignment. Send the Revocation Notice Form or letter by registered or certified mail to the creditor, at the address listed above.
Respond to the Creditor's Demand Letter. Seek State-Specific Remedies. Get Debt Counseling. Object to the Garnishment. Attend the Objection Hearing (and Negotiate if Necessary) Challenge the Underlying Judgment. Continue Negotiating.
You must take action to prevent the initial garnishment or address it if it has already started by claiming an exemption with the court. The creditor will continue to garnish your wages until you pay the debt in full or take some measure to stop the garnishment, such as by filing for bankruptcy (see below).
It may be as few as five business days or as long as a month. For a bank levy, or nonage garnishment, it's usually about 10 days. You can object to the garnishment after this window closes, but you'll lose any diverted income or amount in your bank account in the meantime.

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