What We Do

At Credo Legal, we don't accept that a garnishment order is the end of the road. We fight to reduce what's being taken, or stop it entirely.

File legal objections and motions to reduce or stop the active garnishment
Challenge whether the underlying debt is valid and properly enforceable
Identify exemptions that may protect a portion of your income
Hold creditors accountable for any procedural violations in the garnishment

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Common Post-Judgment Garnishment Problems We Fight

Garnishments Taking the Full 25% of Your Pay
Garnishments Based on Invalid or Improperly Obtained Judgments
Cases Where Exemptions Were Never Filed or Applied
Garnishments With Procedural Errors by the Creditor
Multiple Garnishments Hitting the Same Paycheck

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How Our Program Works

Free Consultation: We review your active garnishment and identify every available option.
Debt Investigation: We examine the judgment and underlying debt for legal challenges.
Legal Representation: We file motions and fight to reduce or stop the garnishment.
Work Towards Debt Resolution: We negotiate, dispute, or settle theunderlying debt so the judgment can't trigger another round ofenforcement.

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Your Rights Under Federal Law

Even after a garnishment order is in place, the law continues to protect you. Creditors and employers must follow strict rules, and any violation can work in your favor:

Federal law caps garnishment at 25% of disposable income, and often less applies in practice
Exemptions you were never told about may reduce or eliminate what can be taken
A garnishment based on an improper judgment can be legally challenged and overturned
Creditors who garnished wages without proper notice may have violated your rights
You have the right to contest an active garnishment and request a hearing at any time

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Who This Program Helps

People currently having wages deducted who want to fight back
Anyone who believes the garnishment amount is too high or incorrectly calculated
Those who never had the chance to claim exemptions they were entitled to
People whose garnishment is based on a debt they believe is invalid or inflated
Anyone who wants attorney-led defense even after a judgment has already been entered

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Frequently Asked Questions

Our Team is always happy to help.

Can garnishment be stopped even after it's started?

Yes. Active garnishment can be challenged through motions to reduce the amount, claims for applicable exemptions, or, in some cases, motions to vacate the default judgment the garnishment is based on. The sooner you act, the more options are available.

What is a garnishment exemption and how do I know if I qualify?

Exemptions are legal protections that reduce or eliminate the amount of your wages that can be garnished. Common ones include head-of-household status, low income, and receipt of federal benefits. We review whether you qualify as part of every free consultation.

Can the 25% cap be reduced further?

Yes. State laws often set lower caps than the federal maximum, and exemptions can reduce the garnishable amount beyond that. The 25% figure is a ceiling, not a guarantee.

What if my garnishment is based on a default judgment I didn't know about?

Default judgments can sometimes be vacated, particularly if you weren't properly served with the original lawsuit. We review the underlying judgment as part of every garnishment case.

How much does this cost?

Your consultation is free. We offer flexible payment plans and will explain every option before any commitment is made.

Attorney Advertising: Prior results do not guarantee a similar outcome.

The information on this website is for informational purposes only and is not legal advice. Viewing this site does not create an attorney–client relationship. Please consult an attorney for advice regarding your specific situation.

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