Michigan Garnishment Attorney

We understand the complexities of garnishment laws and are here to guide you through the process and protect your rights.

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One in 50 Michiganders faces lawsuits related to garnishment, and this rate is almost double in communities of color. The majority of these cases result in a garnishment of state-income tax returns, wages, or money in a bank account.


If you're facing garnishment, having an experienced lawyer by your side is necessary. Our team of dedicated garnishment lawyers is committed to providing top-notch legal assistance to individuals and businesses. 


We have a successful track record and are dedicated to delivering exceptional representation. Whether you're dealing with wage garnishment, bank account garnishment, or other debt collection issues, we're committed to safeguarding your financial stability.

Understanding Garnishment

Garnishment in Michigan is a legally sanctioned process enabling creditors to collect outstanding debts by directly deducting money from a debtor’s wages or bank account. Typically, the initiation of garnishment involves a creditor obtaining a court order, requiring them to file a lawsuit against the debtor and secure a favorable judgment. 

There are different types of garnishment, such as wage garnishment and bank account garnishment. Wage garnishment includes deducting a portion of an employee’s wages to satisfy a debt, while bank account garnishment allows a creditor to take funds directly from a debtor’s bank account.

Legal limits typically exist on the amount that can be garnished from a debtor’s wages or bank account. These limits are in place to ensure that debtors have enough income to cover their basic living expenses. Certain types of income, like Social Security benefits, disability benefits, and some public assistance, may be exempt from garnishment.

Notification requirements are often an important aspect of garnishment laws. Debtors are typically entitled to receive prior notice before garnishment occurs, and they have the right to challenge the garnishment in court. Employers also play a role in the process as, once a court order is obtained, they are responsible for withholding the specified amount from the employee’s paycheck and remitting it to the creditor.

Debtors have rights throughout the garnishment process. They may be able to challenge the garnishment based on hardship or other legal grounds. Understanding these rights is essential, and individuals facing garnishment should seek legal advice to navigate the specific laws and regulations applicable to their situation.

How Can I Stop or Dispute Wage Garnishment in Michigan?

Understand the Garnishment Order:

Obtain a copy of the garnishment order. Review it carefully to understand the details, including the amount being garnished and the legal basis for the action.

Verify the Debt:

Confirm the validity of the debt. Ensure that the amount being garnished is accurate and that the creditor has followed proper legal procedures.

Check for Exemptions:

Determine if any exemptions apply. Certain types of income, such as Social Security benefits, are protected from garnishment. Verify if you qualify for any exemptions under Michigan law.

File a Claim of Exemption:

If you believe you qualify for an exemption, file a claim of exemption with the court that issued the garnishment order. This typically involves submitting a formal document outlining the basis for your exemption claim.

Challenge the Judgment:

Consider challenging the judgment if the garnishment is based on a judgment. This may involve disputing the debt, demonstrating errors in the legal process, or presenting evidence that supports your case.

Negotiate a Settlement:

Reach out to the creditor to negotiate a settlement. Creditors may be willing to work with you to establish a repayment plan or reduce the overall debt amount.

Consult with an Attorney:

Seek legal advice from our attorneys specializing in debt and garnishment laws. We can assess your situation, provide guidance on available options, and represent you in court if necessary.

Consider Bankruptcy:

 Bankruptcy is a legal option that may halt wage garnishment. Consult with our bankruptcy law firm to explore whether filing for bankruptcy is a viable solution for your financial situation.

Request a Hearing:

In Michigan, you may have the right to request a hearing to present your case before a judge. This allows you to dispute the garnishment or seek modifications based on your financial circumstances.

Comply with Court Orders:

If you receive a notice for a hearing or any other court order, ensure compliance. Failure to respond to legal notices may adversely affect your case.

It’s important to act promptly when facing wage garnishment. Seeking legal advice early in the process increases the likelihood of finding a solution that aligns with your financial circumstances.

Common Causes Of Wage Garnishment in Michigan

Wage garnishment in Michigan typically arises from various financial obligations and legal situations. Common causes include:

Non-Dischargeable Debts in Bankruptcy

Certain debts are considered non-dischargeable in bankruptcy, meaning they cannot be eliminated through bankruptcy. While most debts can be discharged, exceptions are outlined in the bankruptcy code. Common examples of non-dischargeable debts include


Most student loans are non-dischargeable, except in cases where the debtor can prove “undue hardship,” which is a high legal standard to meet.

Child Support
and Alimony

Debts related to child support and alimony are typically not dischargeable in bankruptcy.


Some tax debts are non-dischargeable, especially recent income tax debts. However, older tax debts or specific types of taxes may be dischargeable under certain conditions

Debts Not Listed in Bankruptcy Filings

If a debtor fails to list a particular debt in their bankruptcy filing, it may not be discharged. It’s crucial to provide accurate and complete information when filing for bankruptcy.

Court Fines and

Debts resulting from fines and penalties imposed by government entities are generally non-dischargeable.

Debts Arising from

Debts incurred through fraudulent activities, such as obtaining credit through false pretenses or embezzlement, may be non-dischargeable.

Debts for Personal

Debts arising from personal injury or death caused by the debtor’s operation of a vehicle while intoxicated are typically non-dischargeable.


Court-ordered restitution for a crime is often non-dischargeable in bankruptcy.

Debts Resulting from Malicious Injury

Debts resulting from intentional and malicious acts, such as assault or battery, may be non-dischargeable.

Cooperative Housing

Fees owed for common expenses in condominiums and cooperative housing arrangements may be non-dischargeable.

It’s important to consult with our certified bankruptcy attorney’s to understand the specific rules and exemptions related to dischargeable and non-dischargeable debts in Michigan. Bankruptcy laws can be complex, and the determination of dischargeability depends on various factors, including the specific circumstances surrounding each debt.

Our Expertise As Garnishment Law Experts

As garnishment lawyers in Michigan, our expertise lies in advising and representing individuals facing debt collection through wage and bank account garnishment.


We specialize in challenging garnishments, negotiating settlements with creditors, ensuring compliance with Michigan's garnishment laws, and facilitating communication with employers.


Our goal is to empower clients by providing legal insights, protecting their rights, and offering strategic solutions to navigate the complexities of the garnishment process.

FAQs on Garnishment in Michigan

How Much of My Wages Can Be Garnished in Michigan?

In Michigan, the maximum amount that can be garnished from your wages is generally 25% of your disposable earnings. However, this amount may be lower if your disposable earnings are less than 30 times the federal minimum wage.

Can All Types of Income be Garnished in Michigan?

No, certain types of income are protected from garnishment in Michigan. Examples include Social Security benefits, disability benefits, and certain forms of public assistance. It’s important to understand which income sources are exempt from garnishment.

How Does the Garnishment Process Begin in Michigan?

The garnishment process in Michigan typically starts with a creditor obtaining a court judgment. Once the judgment is obtained, the creditor can then seek a garnishment order, which allows them to collect the debt by deducting money directly from your wages or bank account.

Can I Challenge a Garnishment in Michigan?

Yes, you have the right to challenge a garnishment in Michigan. You may dispute the amount owed, demonstrate financial hardship, or raise other legal defenses. Seeking legal advice is recommended to understand the best approach for challenging a garnishment.

Are There Limits on Bank Account Garnishment in Michigan?

Yes, there are limits on bank account garnishment in Michigan. Generally, the maximum amount that can be garnished is 25% of your disposable earnings for the week or the amount by which your disposable earnings for the week exceed 30 times the federal minimum wage, whichever is lower.

Garnishment Law Specialist

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