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The lender has a right to garnish your wages after obtaining a judgment. Thus, the botXXXXX XXXXXne is that you cannot stop the creditor from garnishing you.
However, you should ask that the pay arrangement in place be allowed to continue until the balance can be paid off in full. If they give you a hard time, you may want to bluff that you may be losing your job, and in that event, a garnishment would be worthless. Even though this is not true, it may convince them to let you proceed as you've been doing.
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