Wage garnishment defense, in plain English
They're coming for your paycheck.
Here's how to fight back.
Most people don't know their state protects part of their pay — or that there's a short deadline to claim it. Check your defenses free, then act before the clock runs out.
Free: what are my defenses?
Answer three questions. We'll tell you what protects your pay in your state — including when the answer is "this may be illegal" or "we can't stop this one."
How it works
Check free
Three questions. Your state's exemptions, deadlines, and defenses — including the honest "we can't stop this" cases.
Get the kit — $39
Claim-of-exemption letter generator, exemption worksheet, hearing script, bank-account protection checklist.
File before the deadline
Some states give you 3 days. The kit tells you exactly what to file, where, and what to say at the hearing.
The $39 Defense Kit
Everything below is locked. One payment unlocks it all.
📝 Claim-of-exemption letter generator
Your state, your garnishment type, your deadline — a copy-ready letter citing the exact statute.
Included in the $39 kit📊 Exemption worksheet
Your income profile → what's protected under federal + state law, line by line.
Included in the $39 kit🎤 Hearing script
What to say to the judge, what never to say, and how to answer the questions they always ask.
Included in the $39 kit🏦 Bank-account protection guide
The loophole that beats ban-state protection — and exactly how to close it.
Included in the $39 kitOne-time payment. No subscription. Not legal advice.
What we can't do — we'll tell you upfront
Child support
Federal law allows up to 50–65% of pay to be taken. No state exemption stops it. We route you to modification and hardship options instead.
IRS / tax levies
The IRS doesn't need a court order. We point you to installment agreements, Currently Not Collectible status, and the free Taxpayer Advocate Service.
Federal student loans
Up to 15% via administrative garnishment, no lawsuit needed. We cover rehabilitation, consolidation, and the 30-day hardship hearing.
Guides
How wage exemptions work
The federal floor, state extras, and head-of-household rules most people never hear about.
How to file a claim of exemption
Deadlines by state, the right form, the right office — and the mistakes that kill valid claims.
The bank-account loophole
Why ban-state wages are still vulnerable once deposited, and how to protect your accounts.
What we can't stop
Child support, IRS levies, federal student loans — your real options, honestly explained.
$39 to potentially save hundreds from every paycheck.
Get the $39 Defense KitOne-time payment. Not legal advice.