Pay the debt in full
Negotiate a payment plan with the creditor
Settle the debt for less than the full amount
File an objection if the garnishment is incorrect
Claim exemptions if your income or funds are protected
Challenge improper service or notice
File for bankruptcy if appropriate
Ask the court to reduce the garnishment amount
Request a hardship hearing
Contact a consumer law attorney
Contact a legal aid organization
Verify the debt is valid and not past the statute of limitations
Reopen the case if you were not properly notified
Stop the garnishment by resolving the underlying judgment