What can I do to stop an Oregon Wage Garnishment?

The first step is to pick up the phone.  Every garnishment issued in Oregon will have the name of the creditor and a phone number to call.  Call them up and talk. Before telling them the garnishment is improper read: What if the garnishment is improper?.  The better approach is to ask to set up a voluntary payment plan in exchange for their promise not to garnish anymore. The legal term for a promise not to garnish is “Covenant Not to Execute.”  Once you make the deal ask the creditor to confirm in writing (email should be OK) that they will covenant not to execute upon your property so long as you uphold your end of the bargain. But Beware! Dangers of Setting up a Payment Plan.   Once they have that info, if you don’t meet your payment promise they could send out an Oregon Bank Garnishment.

If the creditor refuses to set up a voluntary payment plan, your options become very limited.  Quit your job? Borrow money to make a lump sum payment to satisfy the debt? Sometimes a bankruptcy is the best of the bad options.  How bankruptcy can stop Oregon Wage Garnishments.

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