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RELIEF FROM GARNISHMENT AND OTHER DEBT RELIEF Your wages, paycheck or bank account can only be garnished if a judgment is taken against you. If you are garnished, it is probably too late to protest the original debt or other obligation, but you can do either of the following: (1) If you believe that your wages or bank account is exempt because of BANKRUPTCY or because your only income is social security, or other good reason, you should promptly file an objection to the Order of Garnishment, and ask for a hearing before the court. You can obtain the necessary court forms by clicking on the appropriate links below: To get blank forms and instructions for printing: Objections to Garnishment and Notice of Hearing Order on Objections to Garnishment To complete forms online with step by step instructions: Objections to Garnishment Order on Objections to Garnishment (2) If you OWE THE MONEY, but the garnishment is taking too much of your of paycheck or bank account, and the creditor will not agree to except a lessor amount each week/month, then you should petition for INSTALLMENT PAYMENTS. (See forms 15 and 15a.) If the court grants you an Order for Installment payments, and you fail to obey the order, the creditor may again start to garnish you! IF A JUDGMENT HAS NOT BEEN ENTERED AGAINST YOU, NO ONE CAN MAKE YOU PAY. YOU MAY ALWAYS POLITELY SAY, IF APPROPRIATE: "I DO NOT OWE THIS MONEY. IF YOU BELIEVE I DO, THEN YOU WILL HAVE TO SUE ME. PLEASE DO NOT CONTACT WE ANYMORE." If you owe the money you may wish to negotiate with the creditor for a reduced amount and for an "installment payment plan". Again, remember, if you agree to an installment plan and fail to keep your part of the bargain, the creditor may sue you. If you are a low income person with questions concerning garnishment and other debt/collection matters you may qualify for free legal services.  To locate free or low cost legal assistance: Visit the Michiganlegalaid.org home page and search for local assistance by entering your zip code in the box marked “Find a lawyer, organization or related service to help you with your problem.” or Look under "attorneys" in the yellow pages to find your local legal aid office, or Contact the Michigan State Bar Lawyer Referral Service at (800) 968- 0738.  Persons age 60 or older, regardless of their income, may be able to receive free advice from the Legal Hotline for Michigan Seniors by calling (800) 347-5297.

Abstract:
Information and links to forms for preventing creditors from taking funds from your wages or bank accounts.