How to STOP a Wage Garnishment Immediately | Summary and Q&A

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November 19, 2022
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Consumer Warrior
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How to STOP a Wage Garnishment Immediately

TL;DR

Learn how to stop wage garnishment in Arizona by raising objections, requesting a reduction, or filing for bankruptcy.

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Questions & Answers

Q: How long do I have to raise objections to wage garnishment in Arizona?

In Arizona, you have 10 business days to file an objection to wage garnishment after receiving the writ of garnishment from your employer.

Q: Can I object to a wage garnishment if I believe I don't owe the debt?

While you can raise an objection based on the validity of the judgment, it is more effective to file a motion to vacate the underlying judgment in order to halt the garnishment.

Q: Can the court reduce the amount of wage garnishment?

Yes, you can request the court to lower the garnishment amount from 25% to 15% by demonstrating that it would cause severe hardship.

Q: How can filing for bankruptcy stop wage garnishment?

Filing for bankruptcy triggers an automatic stay, which immediately stops all collections, including wage garnishment. It also eliminates the underlying debt in most cases.

Summary & Key Takeaways

  • Wage garnishment in Arizona can take away 25% of your pay, causing significant financial hardship for individuals living paycheck to paycheck.

  • To stop wage garnishment, you can raise objections within 10 days of receiving the writ of garnishment, but objections must be based on valid reasons like incorrect judgment or lack of notice.

  • Another option is to ask the court to reduce the percentage of garnishment, and in extreme cases, filing for bankruptcy can immediately halt all collections, including wage garnishment.

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