Menu

Individual skill

wage-garnishment-response

0upvotes

Respond fast when your wages are being garnished or about to be — the deadlines, the exemptions that can reduce or stop it, and the steps that actually protect your paycheck. Use when asked they're garnishing my wages, how do I stop wage garnishment, I got a garnishment notice, or can they take my whole paycheck. Produces the urgent-deadline map (garnishments have short windows to object), the exemptions that may reduce or stop it (income limits, protected funds like benefits, head-of-household), how to file a claim of exemption or challenge, options to negotiate or resolve the underlying debt, and where to get legal aid immediately — so you act inside the window instead of watching your pay disappear. Not legal advice; centers fast legal-aid help.

plugins/pm-hardship/skills/wage-garnishment-response/SKILL.md

Read pinned source

Source commit f7c90bc09ee05dc25cf257bdb1826f2c2552c2cb

What was checked

Matches the observed repository HEAD
Yes
Scanner rules are current
Yes
Repository scan complete
No
Skill scan complete
No
Observed behavior
Network or broad shell
Last checked
Nov 9, 2026

These are observations at the recorded commit, not a guarantee of safety. Review the source before running it.

Install this skill

Choose an agent in your Stack or copy a command below. Commands fetch the pinned commit and copy only this skill directory. Existing destinations are refused. Copying a command does not install anything.

An install command is unavailable: current rules, complete repository and skill scans, an eligible behavior level and a permitted license are required.

Repository context

Repository stars (not skill ratings)
1,539
Repository last updated
Nov 9, 2026
License
MIT

Observed agent integration: No specific integration evidence. Standard SKILL.md installation does not imply verified compatibility.

Files and excerpt

File metadata and permitted, redacted excerpts come from the recorded scan. Source links are pinned to that commit.

Browse files
Read excerpt

# Wage-Garnishment Response

A garnishment notice is an emergency with a clock — there's usually a short window to object or claim exemptions, and missing it means watching a chunk of every paycheck vanish. This gets you moving inside that window: the deadlines, the exemptions that can reduce or stop it, how to file a challenge, options to resolve the debt, and where to get legal aid today — because speed is the whole game here.

## What This Skill Produces

- **The deadline map** — the short windows a garnishment gives you to respond, object, or claim exemptions, flagged as urgent-first
- **The exemptions to check** — limits on how much of your pay can be taken, and protected funds that often can't be garnished at all (many benefits, certain income), plus protections like head-of-household where they exist
- **How to challenge it** — filing a claim of exemption or objection, and what to bring
- **Resolution options** — negotiating the underlying debt, a payment agreement, or addressing the judgment behind the garnishment
- **The stop-the-source view** — whether the judgment itself can be contested or the debt was even valid (link to `debt-collector-scripts`)
- **An immediate-help pointer** — legal aid and where to get fast, often-free assistance, because deadlines are tight

## Required Inputs
Back to top