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Ashas with us in illinois i ash welcome to the Dave Ramsey show hi Dave um I just found out from my roommate that I am getting my wages garnished and I was wondering is there any way to stop a garnishment without bankruptcy because I dont want to go down that route how did your roommate know your wages were being garnished uh he called me and told me I had a letter in the mail because Im an over-the-road truck driver and it said wait garnishment on it I had him open it and read it to me immediately does it threaten it or it says its occurring on a certain date um it says that the order was granted on July 19th and its about to start okay and it alright because heres the thing a lot of collectors will threaten wage garnishment in a way that sounds like it is definitely occurring and theyre lying they havent done anything yet so Im a little bit wondering if thats happening or if they have actually sued you one and are now executing on the judgment with an actual wage garnishme