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You can stop a garnishment by: Paying off the debt in full. Filing an objection to the garnishment with the court if you have legal basis, such debt was a result of fraud or identity theft. Filing for court protection and debt resolution through Chapter 13 or Chapter 7 bankruptcy.
If the person who owes money does not file an answer, the garnishment commences and can last for 13 weeks after the notice. The garnishment period can extend longer than 13 weeks if both parties agree in writing.
The garnishment law allows up to 50% of a worker's disposable earnings to be garnished for these purposes if the worker is supporting another spouse or child, or up to 60% if the worker is not. An additional 5% may be garnished for support payments more than l2 weeks in arrears.
At present four U.S. states\u2014Pennsylvania, North Carolina, South Carolina, and Texas\u2014do not allow wage garnishment at all except for tax-related debt, child support, federally guaranteed student loans, and court-ordered fines or restitution.