Wage garnishment can be stopped by responding to the creditor's demand letter, seeking out state protection, getting debt counseling and filing objections to the claim, notes AllLaw. There are some situations where the individual is better off turning to an attorney in order to stop the wage garnishment.
It's best to not ignore or wait to reply to a demand letter, says AllLaw. There may be a way to negotiate a payment plan with the creditor before the wage garnishment process starts. It's often expensive and time consuming for creditors to garnish wages, which is why creditors prefer voluntary payments instead.
Some states allow individuals to take care of outstanding debts through a trustee, notes AllLaw. The debtor gives the trustee money who then distributes the funds among creditors. Creditors aren't legally able to garnish the person's wages as long as he is in a trusteeship. There are also some states where a debtor can avoid wage garnishment if he is able to prove his financial hardship and that he needs all of his income to take care of his family.
Consumer credit counseling services can aid an individual in paying for his debts in installments, says AllLaw. If the creditor agrees to be paid over time, he or she cannot garnish the person's wages.