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How to Stop a Garnishment in Michigan

Title: How to Stop a Garnishment in Michigan: A Comprehensive Guide


Garnishment is a legal process that allows creditors to collect unpaid debts by deducting money directly from a debtor’s wages or bank account. In Michigan, individuals facing garnishment may feel overwhelmed and unsure of their rights and options. This article aims to provide a step-by-step guide on how to stop a garnishment in Michigan, as well as answer frequently asked questions to help individuals regain control of their finances.

I. Understanding Garnishment in Michigan:

1. What is garnishment?
Garnishment is a legal procedure that allows creditors to collect unpaid debts by obtaining a court order to withhold a portion of a debtor’s wages or bank account funds. This process is governed by Michigan law and imposes limitations to protect debtors from excessive hardship.

2. Types of garnishment in Michigan:
a) Wage garnishment: This involves a portion of the debtor’s wages being deducted by an employer and sent directly to the creditor.
b) Bank account garnishment: In this scenario, funds are taken directly from a debtor’s bank account to satisfy the outstanding debt.

II. Steps to Stop a Garnishment in Michigan:

1. Understand your rights:
a) Review the court order: Carefully examine the garnishment notice to understand the amount being deducted and the creditor’s identity.
b) Verify the validity of the debt: Ensure that the debt is accurate and not fraudulent or previously paid.

2. Seek legal advice:
a) Consult an attorney: An experienced attorney specializing in debt-related matters can provide guidance on your specific situation and help you explore legal options.

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3. File an objection:
a) Timely objection: File an objection with the court within 14 days of receiving the garnishment notice.
b) Grounds for objection: Object on the basis of improper service, exemptions, or hardship, among other valid reasons.

4. Request a hearing:
a) File a request for hearing: Submit a written request to the court, indicating your desire to contest the garnishment.
b) Attend the hearing: Present your case to the judge, emphasizing any relevant exemptions or hardships that would justify stopping or reducing the garnishment.

5. Claim exemptions:
a) Understand Michigan exemptions: Familiarize yourself with the state’s exemption laws, which protect certain types of income, such as social security, unemployment benefits, and pensions.
b) Complete exemption forms: If you believe your income qualifies for an exemption, complete the necessary forms and provide them to the court or creditor.

6. Negotiate with the creditor:
a) Reach out to the creditor: Communicate with the creditor to discuss alternative repayment arrangements or settlements.
b) Consider debt negotiation or consolidation: Explore options like debt negotiation or consolidation plans to potentially resolve the debt outside of garnishment.


1. Can I be fired for wage garnishment in Michigan?
No, Michigan law prohibits employers from terminating an employee solely due to wage garnishment.

2. How much can be garnished from my wages in Michigan?
In Michigan, the maximum amount that can be garnished from wages is 25% of disposable income or 30 times the federal minimum wage, whichever is lower.

3. Can I stop a garnishment after it has started?
Yes, you have the right to object and request a hearing to stop or modify a garnishment even after it has commenced.

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4. Can bankruptcy stop a garnishment?
Yes, filing for bankruptcy triggers an automatic stay, which immediately halts all collection efforts, including garnishment.


Being subject to garnishment can be financially and emotionally distressing. However, by understanding the legal process and your rights, consulting with an attorney, and actively pursuing available options, it is possible to stop or reduce a garnishment in Michigan. Remember, taking timely action and seeking professional advice are crucial steps towards resolving your debt and regaining control of your financial situation.

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