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How to Stop A Garnishment In Oklahoma

Having problems with IRS wage garnishment in Oklahoma? Let Hutton Tax Solutions help you on how to stop this from being executed. Learn more.

Understanding Wage Garnishment in Oklahoma

In the event that you don’t voluntarily pay your debt, a creditor can garnish your wages or your checking account to do so. By court order, employers must withhold wages for the payment of a debt, such as child support, from a person’s earnings.

 Garnishments can only be obtained if a judgment has been obtained against you. 

With the assistance of a tax attorney, you can navigate these complexities successfully. For a free consultation on your case, contact Hutton Tax Solutions.

How To Stop A Wage Garnishment

Wage garnishment can be stopped using the following methods:

Bankruptcy to Stop Garnishment

Bankruptcy will typically stop a wage garnishment order and protect you from creditors seeking new garnishments, excluding garnishments relating to child support.

A bankruptcy lawyer from a respectable law firm can help you determine whether Chapter 7 or Chapter 13 best suits your circumstances. Reach out to Hutton Tax Solutions today to learn more.

Undue Hardship Exemption

If you have a family that you support, you can apply for an undue hardship exemption. An undue hardship exemption is when you cannot afford to pay your creditors since all your money must be spent on supporting your family. Undue hardship exemptions are only available if you have dependents who rely on your income to survive.

Additionally, you cannot be made to pay more than one garnishment at a time, unless one of them is for child support.

Negotiation With Creditors

With the right representation and guidance, you may be able to reduce the garnishment amount by negotiating better terms with the creditor or the creditor’s attorney. You can come to an agreement that will not impose undue burdens on you and your family, such as paying over a more extended period.

Even if you owe the Internal Revenue Service (IRS), you can negotiate back taxes or apply for debt forgiveness through an Offer in Compromise (OIC). The OIC is a settlement agreement between the IRS and the taxpayer that settles their tax liabilities for less than what they owe.

Contact a tax professional offering IRS tax services to learn more about wage garnishments in Oklahoma.

Total Wage Garnishment Amount

Your wages must be garnished from your disposable earnings, which are your earnings after mandatory deductions, such as taxes and unemployment insurance.

In terms of federal and Oklahoma state laws, a creditor cannot take more than 25% of your monthly take-home pay. Additionally, a creditor must leave you with at least $217.50 a week or $870 a month in net pay. A creditor can’t garnish a complete 25% if you work part-time or for low wages.

Stop Wage Garnishment With a Bankruptcy Professional

If you are going through wage garnishment, we understand the financial stress you may be experiencing. That’s why we’re here to help. Contact us today to learn how we can help you get the tax debt relief you need.

For a free evaluation of your case, schedule a consultation today!