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See the Employee Instructions ( Form WG-003) you were given by your employer for more information. Generally, about 25% of your take home pay will be withheld, but the creditor cannot take the part of your paycheck that you need to support yourself and your dependents.

But the creditor will be limited in the amount he or she can take. If this has been done, you will be given a copy of an Earnings Withholding Order ( Form WG-002). If the creditor has received a judgment from a court that you own money, the creditor can file papers to have a portion of your paycheck garnished (taken or withheld) to pay off your debt. One of the main tools that the creditor can use to collect from you is a wage garnishment. The judge will make a decision at your hearing. You will have to have the other side served so they can show up at the hearing if they want to oppose your request. You can file a motion to set up an installment payment plan. If the other side will not agree to a payment plan, you can try asking the court. Make sure you keep detailed records and proof of your payments. The agreement should include due dates, grace periods (if any), if and how interest will accrue, where you should send the payments, what form of payment will be accepted, and who you should make the payments to. If you work something out, make sure all the details are in writing. The creditor may decide they would rather have a little money at a time than nothing. Remind the creditor that you want to pay but you just do not have the money to pay the judgment all at once. You may be able to pay your judgment in installments or set up a payment plan.įirst, you can try talking to the creditor and see if they are willing to work out a payment plan with you. Click on the topic below for more information on your options. In response, you may also have options if these tools cause you an undue hardship. The judgment creditor has different legal options available to collect the judgment from you if you do not pay on your own. There is no stay (suspension or postponement) on enforcement of the order because of an appeal, a stay from a bankruptcy, or other legal action.You can go to the court clerk’s office and check the court’s records to confirm that the judgment has been entered and If you do not pay, the creditor can start collecting the judgment right away as long as: You should pay the judgment against you as soon as it becomes final. The court will not collect the money for your creditor, but if you do not pay voluntarily, the creditor (the person you owe money to) can use different enforcement tools to get you to pay the judgment. If you lose a civil case and are ordered to pay money to the winning side, you become a judgment debtor.