Verify the garnishment notice and identify the creditor, court, amount, and deadline
Check whether the debt is valid and whether the garnishment was properly served
File a claim of exemption if your income or funds are protected
Request a hearing to contest the garnishment
Negotiate a payment plan or settlement with the creditor
Pay the debt in full if possible
File for bankruptcy if eligible and appropriate
Challenge any default judgment if you were not properly notified
Ask the court to reduce the garnishment amount if allowed
Contact a lawyer or legal aid organization immediately