Garnishment, can I stop them?

If you do not 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 first sue you. This is done by issuing a statement of claim. If you do not defend yourself or are unsuccessful in doing so the creditor will seek and obtain a Garnishment Order from the court. The only exceptions to this rule would be Canada Revenue Agency and Family Responsibility.

In virtually all cases a Consumer Proposal or a Bankruptcy will stop the garnishment, so we strongly recommend that if you are being garnisheed, or are threatened with a garnishment, contact F.J. Zielski & Associates Inc. now.

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. Once it is there, it sticks!

There are 3 ways to stop wage garnishment

Once a wage garnishment starts, there are three ways to get it to stop:
• Repay the debt;
• File a Proposal to creditors;
• File for Personal Bankruptcy.

How much can be garnished from my wages?

The amount that can be garnisheed from your wages is determined by the court.

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 pay cheque.

In virtually all cases a Consumer Proposal or a Bankruptcy will stop the garnishment, so we strongly recommend that if you are being garnisheed, or are threatened with a garnishment, contact F.J. Zielski & Associates Inc. representative now.

These downloaded forms will give your F.J Zielski & Associate advisor the information they need to assess your situation so you can make the right decision. Please complete the form as best you can and bring it to your free consultation.

Restructuring Worksheet

Statement of Income and Expenses

Income Tax Information

Are you a high income earner (MORE INFORMATION HERE) or do you not reside in Canada (MORE INFORMATION HERE)?