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socrateaser, Attorney
Category: Bankruptcy Law
Satisfied Customers: 39045
Experience:  Attorney and Real Estate Broker -- Retired (mostly)
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We were served garnishment papers on Saturday, November 1,

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We were served garnishment papers on Saturday, November 1, 2008 for hospital debt that was sent to a collection agency (Commercial Adjustment Co.) in Astoria, Oregon. We are not disputing the validity of the debt; however, due to obligations to pay debts to the state of Oregon we cannot afford to be garnished the full 25% that the collection agency stated they will garnish. Is there any way to lower the percentage on the garnishment? What do we need to do to assess financial hardship to do this? Any help will be much appreciated!

There's no way to lower the garnishment amount. 25% is the maximum amount permitted by federal law, but there is no law in Oregon which permits a debtor to request a lower garnishment amount.


The only alternatives are: negotiation with the creditor, or bankruptcy, which will stay the garnishment and permit the bankruptcy court to create a payment plan.



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