Wage garnishments happen for one reason: the bill wasn’t paid so the creditor obtained court permission (with some exceptions) to take a portion of the debtors wages. This portion can be as high as 50%. The percentage that can be garnisheed is set according to the Ontario Wages Act.

There are only three ways to stop a wage garnishment:

  1. the debtor has to work out a payment plan directly with the creditor;
  2. file a consumer proposal; or
  3. file bankruptcy.

A consumer proposal or bankruptcy stops all wage garnishments other than those dealing with alimony or support.

Upon filing the consumer proposal or bankruptcy, we will send a document known as a “stay of proceedings” to both the creditor, your employer, and in most cases the court, advising them that you have filed either a consumer proposal or bankruptcy and that the wage garnishment is to stop immediately.

If you have a wage garnishment and want to stop it, please call me in Windsor at 519-250-8060 or e-mail me today.