Exemption from wage garnishment

Wage garnishment one of the most common type of garnishment, used by creditors to collect debt, when debt becomes extremely delinquent. It is a Legal remedy authorised by the court and is considered a collection tool of last resort by the creditor. To get an exemption from the court, you must first

The first action to be undertaken by you to get exemption from garnishment is to report a mandatory written document with the country’s clerk office that has recorded court ordered garnishment against you. This financial disclosure will help you to prove that you have no disposable income that can be subject to garnishment. You must fill out a financial disclosure form, before the submission of any garnishment to your employer.

Following the hearing, the Debtor has ten days to fill out and file a financial disclosure with clerk of court office where the judgement is held. This is the initial step to be undertaken in purchasing a wage garnishment exemption.

Answer to question of the financial disclosure, where you need to answer why you feel you are exempt and give details. You also need to respond to queries referring the public assistance that you are receiving or may receive.

Fill up the economic worksheet which will clearly show that your earning is at or lower than the poverty level set forth by the federal government and include all spending your income is assigned to for exemption considerations.