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Unfortunately, there's really no way to stop a garnishment except if you file bankruptcy and gain protection under the automatic stay. If you can file before the money is delivered by the bank to the creditor, you can stop it. Otherwise, the garnishment is going to happen.
The amount is usually reflected in the judgment rendered against you. If the judgment was by default, the creditor would include attorney's fees, interest, late fees, etc. to come up with the number.
You can request a breakdown of the fees from the creditor to show how they came up with the balance due.