In order to stop wage garnishment, you may want to try to make an agreement with your creditor on how to settle your debts. If you are behind on your payments and your creditor is threatening to garnish your wages, contact them first before this happens to see what other options you have. It is only natural for creditors to protect their interest first so they would rather be paid in full as soon as possible instead of taking small amounts from your salary. But then again, if you want to avoid wage garnishment, making an agreement with your creditor is worth a try.
When all else fails and you cannot make an agreement with your creditor to stop garnishments, probably your only option would be to file for bankruptcy. However, this decision should not be taken lightly. This may not be the best solution as this will leave a negative mark on your credit report, but this way you will be able to keep more of your salary for you to be able to use for other expenses. You can also try to have the garnishment reversed in the court that ordered the wage garnishment.
This is another way on how to stop a garnishment. To do this, you’ll have to show proof of your monthly living expenses, those that you really need. You need to prove to the court that the money left to you after garnishment is barely enough for you to survive. If this can be proven, they may change the writ of garnishment, have it stopped or they may also lower the amount taken out of your wages. When all else fails and wage garnishment is the only option, perhaps you can get a loan from a close friend or relative in order to settle the debt in full. Settling your debt in full will then stop the wage garnishment.