Excessive debt always feels like something that happens to other people until it happens to you. It is hard to know how to respond when the government is helping your creditors take your wages, especially if you are still trying to return to financial health.
Orders for garnishment are usually sent to debtors in Ohio within 15 to 45 days of a judge's issuance of the orders. State law requires specifics for this order, including the amount owed to whom and any options available to avoid garnishment.
There may be an option to pay to avoid garnishment. In this case, the creditor must receive the correct form and the payment within 15 days of the order's receipt to avoid the garnishment process.
Often this is not a possibility, since many debtors who have reached the point of an order for garnishment are unable to keep up with payments. Debt restructuring may be a possibility. An attorney will be able to help debtors reach the best option to clear their debts.
Try contacting the creditor listed on the order to see if a payment plan is still a possibility to clear the debt with a smaller payment to avoid garnishment. This may cost more in the long run but it will give you time to get on your feet.
Part of a successful plan to beat debt also includes a look at spending habits and lifestyle. Even minor changes can take years off a recovery from credit damage and excessive spending.
Source: WikiHow, "How to Stop a Wage Garnishment in Ohio," accessed Oct. 20, 2017