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A writ of garnishment is a process by which the court orders the seizure or attachment of the property of a defendant or judgment debtor in the possession or control of a third party. The garnishee is the person or corporation in possession of the property of the defendant or judgment debtor.
Dear (Creditors Name), I am writing to formally request the cessation of wage garnishment related to my account number (Your Account Number). Due to (briefly explain your situation, eg, ``a recent job loss or ``significant financial hardship), I am unable to meet my current financial obligations.
How to fill out the Challenge to Garnishment Form Instructions? Identify the property or funds you are claiming as exempt. Fill out your personal information including name, address, and phone number. Specify the type of property and the reason it is exempt from garnishment. Sign and date the form.
A Writ of Continuing Garnishment lets a creditor take 25% of your disposable earnings.
It means that whatever was being garnished, wages or bank accounts, are no longer subject to the writ of garnishment. It means that your wages if that was what was being garnished, or funds within a bank account if the account was garnished, will no longer be witheld.

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The answer of the garnishee shall be under oath, in writing and signed by him and shall make true answers to the writ. If there are more judgment debtors than one, the garnishee shall answer as to each judgment debtor named in the writ.
One of the first steps you can take is to try and work with the creditor that wants to garnish your wages. You may be able to negotiate a smaller monthly payment than the amount that would be taken out of your paycheck. Or, you might be able to negotiate a debt settlement and repay only a portion of the debt.

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