How to Write an Objection to Wage Garnishment

Your wages may be garnished if you have failed to pay debts such as student loans, child support, federal taxes and other financial obligations. You can object to a wage garnishment either if you feel the debt is invalid or the amount of the debt is incorrect. You can also object to a wage garnishment if you feel the wage garnishment will result in extreme hardship. A wage garnishment objection must be heard by a judge. Your wage garnishment notification letter should explain in detail the specific steps you should take to object to the garnishment. Steps may vary slightly depending on the type of garnishment.

Instructions

1. Address your letter to the proper authorities. You should be able to find this information on your wage garnishment notice. If not, call the entity imposing the garnishment to enquire as to whom you may send the letter.

2. Explain in detail your objection to the wage garnishment. Make sure to use specific facts and figures within the letter.

3. Add information to your letter indicating your account number or any other pertinent information that would identify your specific case.

4. Offer to begin making a reasonable payments if possible. Note how much and how often you intend to pay.

5. Fill-out and attach all forms included with your wage garnishment letter and all necessary documentation. If you are objecting to the validity or amount of the debt, attach statements and payment documentation such as canceled checks. If you are objecting due to financial hardship, attach your most recent paycheck stubs and documentation of expenses such as rent or mortgage, utilities, car payments, insurance payments, credit card payments and medical bills.

Tips & Warnings

• Make sure to send your letter within 10 days. Otherwise, your letter will not be considered by the courts.

References

• Federal Student Aid: Administrative Wage Garnishment
• The University of Arizona: Garnishment
• Ohio Legal Services: Wage Garnishment