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If you don't pay your debts, a creditor
can go to court and obtain a wage garnishment. This
is what people often refer to as having their wages
"garnished", although the correct term is
a garnishee or garnishment.
In order to garnishee your wages,
a creditor must take you to court and sue you, and
obtain a Garnishment Order from the court. The only
exceptions would be a Credit Union that you have given
an assignment of wages, or Canada Customs and Revenue
Agency.
If a creditor has gone to the trouble
of garnishing your wages, they are not likely to lift
the garnishment because you agree to pay - they only
garnishee people with a history of not paying, or
whom they believe will not pay.
There are Three ways to stop wage
garnishment
Once a wage garnishment starts, there
are three ways to get it to stop:
How much can be garnished from my
wages?
The amount that can be garnisheed
from your wages is generally determined by the court.
For information on dealing with garnishments, please
contact
us...
If you are threatened with a wage
garnishment, or are currently being garnisheed, we
recommend that you contact
us immediately to determine your options.
The longer you wait to deal with the wage garnishment,
the more you will lose from each paycheque.
In virtually all cases a Proposal
to Creditors or a Personal
Bankruptcy will stop a garnishment, so we strongly
recommend that if you are being garnisheed, or are
threatened with a garnishment, e-mail
us immediately to determine your options.
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