1. You can offer to pay the judgment in full. If the creditors is paid in full, there is no reason for him to proceed with the garnishment based on his judgment against you.
2. You can propose a payment plan. This never works. A garnishment is a court-ordered payment plan that guarantees your creditor 25% of your paychecks until the judgment is paid in full. I can think of no situation where a creditor would willingly accept a payment plan instead of pursuing a court-ordered garnishment.
3. You can quit. Your wages cannot be garnished if you are no longer employed at the business where the garnishment is taking place. And no, don’t do anything funny with your employer. If the creditor finds out that your employer is doing something improper to protect you from garnishment, the employer can be liable for treble (3x) damages for the wages that should’ve have been garnished.
4. You can contest the underlying judgment as improper. This means that you pay a litigation attorney $3-5,000 to prove that you don’t really owe the money. Of course, at this point, they have a judgment, and the odds are that you do owe the money. Next you’ll argue that the lawsuit or the judgment was improperly served, but this is a losing argument and not worth your money to try. Service is intended to let you know about the suit, and you obviously know about it now.
5. (File bankruptcy).