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Unfortunately, under the circumstances you describe, you don't have grounds to fight the creditor's garnishment.
You do have two options:
1) contact the IRS and ask them to garnish. Under federal law, 25% of your take home pay can be garnished. No more.
If the IRS garnishes 25% (and you voluntarily pay any balance up to the $1800), the creditor can't garnish.
2) declare bankruptcy and discharge the creditor's debt or negotiate repayment terms.
These are the only options to keep the creditor from garnishing.
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Thank you for your response. I was wondering though, even though the garnishment award was issued in Maryland Courts, I recently moved to Texas. Do you know, can or will the order issued in Maryland be enforced in a state that does not allow this type of garnishment?
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