Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
There are only two ways to stop a garnishment:
1. Pay off the debt you're being garnished for. Many times, the creditor will accept a smaller lump sum as opposed to collecting under a garnishment for months or years!
2. Leave your current employment (if you're not at that job, you can't be garnished).
The second option is not good because the creditor will likely find you at any new employment and reinstitute the garnishment, and add the filing fees and interest back to your garnishment.
Short of filing bankruptcy, there truly aren't. If a garnishment has been instituted against you, your employer is legally obligated to withhold the legal percentage from your check every month until the judgment is paid in full. If your employer refuses to pay, it could be held responsible for the debt.