Avoiding Garnishment

The threat of garnishing your wages is a popular one among bill collectors. When you understand what's involved, chances are you can ignore this threat.

Fact is, certain individuals are immune from having their wages garnished. Anyone who earns only minimum wage is exempt. Anyone who is self-employed is also not subject to garnishment. Part time wages are also exempt and if the bill collector doesn't know where you work it will be very hard to file the proper papers.

So if your wages are anywhere near minimum wage, claim that you only make minimum wage and that should do the trick. Or you could claim that you are self-employed and work out of your home doing yard work or perhaps you plow snow or do taxes for others. Just be sure it's part time work and you do it at home as a self-employed individual.