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Most garnishments affect defendants wages. For example, a court might garnish a defendants wages to pay child support, student loans, or back taxes.
How long can wages be garnished? Your wages can be garnished until the debt is paid. A writ of continuing garnishment is effective for one year after the date it was served, or for 120 calendar days if another writ of continuing garnishment is served. If the writ expires, the creditor can request a new one.
Wage garnishment in Arizona is limited in accordance with the federal Consumer Credit Protection Act (CCPA). This means that garnishees may withhold no more than 25%* of your non-exempt disposable earnings to be paid to a single judgment creditor.
The garnishment amount is limited to 25% of your disposable earnings for that week (whats left after mandatory deductions) or the amount by which your disposable earnings for that week exceed 30 times the federal minimum hourly wage, whichever is less.
Creditors and debt collectors do not want to put more effort than they have to into your case. Even after a garnishment has started, there is always the opportunity to try to negotiate a resolution. Putting pressure and trying to negotiate provides you a chance to stop the garnishment.
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You do this by submitting a request for hearing to the court, on a form that you should have received with the garnishment paperwork. You will have to show that a garnishment of 25% of your disposable income will subject you or your family to extreme economic hardship.
A garnishment is a legal process by which one party (the judgment creditor) may collect money from another (the judgment debtor) after a monetary judgment has been entered. A garnishment becomes necessary if the judgment debtor fails to pay voluntarily.
A judgment is a court order that is the decision in a lawsuit. If a judgment is entered against you, a debt collector will have stronger tools, like garnishment, to collect the debt.
A garnishee order for debts is a court order that allows you to recover the judgment debt from the other partys bank account or someone else who owes the other party money, for example, rental inc​ome.
Another way to stop a wage garnishment is by negotiating with your creditor. Many creditors are reluctant to settle debts once they have a garnishment. However, an attorney can help you negotiate the best settlement by offering a lump sum amount or payment terms.

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