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What We Do

Stop Losing Your
Pay Cheque to
Wage Garnishment

Has your employer started withholding part of your pay? We can help you stop the garnishment — fast — and get your full pay cheque back.

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★ 5.0 Google Rating·99% Success Rate·Confidential·No Obligation
★★★★★4.9from 60+ reviews
PAY TONo. 1042
Your Pay
$2,000.00
Signature
STOPPED
$400.00
Your Full Pay Cheque
Restored by Law
Garnishment stops immediately
Full pay cheque restored
Stop all interest on debts
Reduce debts by up to 80%
The Basics

What Is Wage Garnishment?

Wage garnishment is when a creditor obtains a court order forcing your employer to withhold a portion of your pay cheque and send it directly to them.

In Ontario, creditors can typically garnish up to 20% of your gross wages — and certain debts (like CRA tax debt or family support) can take even more.

Once the order is in place, your employer is legally required to comply. The deductions continue with every pay cycle until the debt is paid off — or until the garnishment is legally stopped.

Pay Stub · Bi-weekly
Sample illustration
Gross pay$2,000.00
Tax & deductions−$420.00
Garnishment (20%)−$400.00
Net take-home$1,180.00
$400 every pay cycle goes straight to the creditor — until the debt is repaid or the garnishment is stopped.
How You Got Here

Why Did My Wages Get Garnished?

If you fall behind on payments and don't respond to a creditor's collection efforts, they can take you to court. If they win — or if you don't show up — they're awarded a judgment against you.

That judgment lets them apply for a garnishment order served directly to your employer, your bank, or both. From your employer's perspective, it's a legal document they have no choice but to follow.

Common debts that lead to garnishment: credit cards, personal loans, payday loans, old phone or utility bills, CRA tax debt, and student loans.

FILED
Ontario Superior CourtOrder of Garnishment
No. CV-26
The employer shall deduct 20% of wages each pay cycle and remit to the creditor.
Court→Employer→Creditor
A court judgment is what
gives the creditor power
Once granted, your employer is legally required to
deduct from your pay cheque every cycle.
Your Options

How Can I Stop a Wage Garnishment?

There are three main paths. We'll help you figure out which one fits your situation in a free consultation.

1
Repay Your Debts in Full
Use savings or obtain a loan to pay off the creditor directly. Once the debt is satisfied, the garnishment ends. This is the simplest option — but only works if you have the funds available.
2
Negotiate With Your Creditors
Contact the creditor and try to work out a new payment arrangement in exchange for them lifting the garnishment. This may work if you have stable income and the creditor is willing — but there's no guarantee they'll agree.
3
Consumer Proposal or BankruptcyMost Effective
This is the most powerful option. The moment you file, an automatic stay of proceedings stops the garnishment — your Licensed Insolvency Trustee notifies your employer right away. Interest freezes, all collection activity stops, and your debts are reduced (often by up to 80%) under one structured plan.

Free Consultation

Book Your Free 30-Minute Consultation

Tell us a little about your situation and we'll be in touch within one business day.

Free Consultation

Book Your Free 30-Minute Consultation

Tell us a little about your situation and we'll be in
touch within one business day.

Confidential · No obligation · No judgment

Common Questions

Stop Wage Garnishment Frequently Asked Questions

Quick answers to what we get asked the most.

Q
How fast can my wage garnishment be stopped?
Immediately. The moment you file a Consumer Proposal or Bankruptcy, your Licensed Insolvency Trustee notifies your employer to stop garnishing your wages — usually the same day.
Q
What happens to wages that have already been garnished?
Unfortunately, any wages that have already been deducted and sent to the creditor stay with them. That's why it's important to act quickly — every pay cycle you wait is money out of your pocket.
Q
Can I be garnished if I'm self-employed?
It's harder for creditors to garnish wages directly when you're self-employed — but they can still go after your bank account or invoices owed to you by clients. The same legal protections from a Consumer Proposal or Bankruptcy stop those too.
Q
Will my employer find out the reason for the garnishment?
Your employer receives a court order with the creditor's name and the amount to deduct — but they're not entitled to know the underlying details. Once you file with us, the order is lifted and the deductions stop.
Q
How much of my pay can be garnished in Ontario?
For most creditor garnishments, up to 20% of your gross wages. For family support orders the limit is up to 50%, and CRA can use a separate process called a Requirement to Pay with no court order at all.

Are You Ready to Start Your Debt-Free Life?

Schedule your free, confidential, no-obligation consultation today. In 30 minutes, we'll have a plan to stop the garnishment and reduce your debt.

Book My Free Consultation →
★ 5.0 Google Rating · $0 Upfront Fees · 99% Success Rate