A wage garnishment can significantly impact your finances. If you're facing a wage garnishment in Wisconsin, there are steps you can take to stop or reduce it.

Understanding Your Rights

Wisconsin law limits the amount that can be garnished from your wages. Typically, a creditor can't garnish more than 25% of your disposable earnings or the amount by which your disposable earnings exceed 30 times the federal minimum hourly wage, whichever is less.  

Steps to Stop or Reduce a Wage Garnishment

1. Review the Garnishment Order:

   • Carefully examine the order to verify the accuracy of the information.
   • Check the amount being garnished and the creditor's information.

2. Consult with a Legal Professional:

   • An attorney can provide guidance on your rights and options.
   • They can help you challenge the garnishment if it's unlawful or excessive.

3. Negotiate with the Creditor:

   • Payment Plan: Propose a payment plan to reduce the impact of the garnishment.
   • Dispute the Debt: If you believe the debt is incorrect or unfair, dispute it with the creditor.

4. File a Claim of Exemption:

   • In some cases, you may be able to claim exemptions to protect a portion of your income from garnishment.
   • A lawyer can help you determine if you qualify for exemptions.

5. Consider Bankruptcy:

   • In severe cases, bankruptcy may be an option to eliminate or significantly reduce your debts, including those subject to garnishment.

Additional Tips:

• Communicate with Your Employer: Inform your employer about the garnishment and provide them with a copy of the court order.
• Stay Organized: Keep track of all documents related to the garnishment, including the court order, payment plans, and communication with the creditor.
• Avoid Making Hasty Decisions: Take your time to evaluate your options and seek professional advice.

Remember, it's crucial to act promptly when you receive a wage garnishment notice. By understanding your rights and taking the necessary steps, you can potentially stop or reduce the garnishment and protect your financial well-being.

Disclaimer: This blog post is intended for informational purposes only and does not constitute legal advice. Please consult with an attorney for advice.

Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online.