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GARNISHEES ANSWER 2026

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  1. Click ‘Get Form’ to open the GARNISHEES ANSWER in the editor.
  2. Begin by entering the CASE NO. and RETURN DATE at the top of the form. This information is crucial for proper identification of your case.
  3. In the section labeled 'TO THE GARNISHEE', carefully read the instructions regarding payment and submission. Ensure checks are made payable to the judgment creditor as specified.
  4. Indicate whether you are enclosing a check, have no money or property of the judgment debtor, or lack sufficient information to identify them by checking the appropriate box.
  5. If applicable, provide explanations in the designated area for any selected options that require further detail.
  6. Complete all necessary fields regarding employment status, account ownership, and any exemptions related to federal benefits.
  7. Finally, fill in your name, title, and date at the bottom of the form before submitting it through our platform for a seamless process.

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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 a partnership is the judgment debtor, or if there are more judgment debtors than one, the garnishee shall answer as to the partnership and as to each judgment debtor named in the writ.
Creditors generally cannot garnish more than 25 percent of your disposable wages. Disposable wages are the earnings that remain after deducting all withholdings required by law, or any of your disposable wages if you make less than $380 per week. These limits do not apply to judgments for child support.
You have two main options: you can either negotiate a settlement to pay off the remaining balance or file a motion in court to contest the garnishment, especially if it was obtained without your knowledge or by default. You can choose to handle this yourself or hire a local attorney to assist you.
At a minimum, your written objection to the garnishment should include the following information: the case number and case caption (ex: XYZ Bank vs. John Doe) the date of your objection. your name and current contact information. the reasons (or grounds) for your objection, and. your signature.
A11. If the garnishee does not answer within 45 days of service by the Sheriff, an additional 15 days is given to open default. If the answer is filed within the 15-day period, the garnishee must pay the amount of court cost paid at the time of the initial filing.

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You should have received a copy of the complaint with the summons, and so what you need to do is respond, in writing, to the allegations contained in the complaint, by either admitting them, denying them, or stating that you do not know whether or not they are true.
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. A good option is potentially starting a debt resolution plan (DRP).
If you are served with a garnishment summons, do not ignore these documents because they do not directly involve a debt that you owe. Instead, you should immediately freeze any payments to the debtor, retain the necessary property, and provide the required written disclosure.

Related links

28 U.S. Code 3205 - Garnishment - Law.Cornell.Edu

Answer of the garnishee.In its written answer to the writ of garnishment, the garnishee shall state under oath (A) whether the garnishee has custody, control

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