We received a notification of Levy/Garnishment in the State of Missouri just this week. Today, I discovered that my checking account has already been hit with the garnishment, putting us in a terrible financial burden. I had been making payments on the amount we owed, and I also called to see what other arrangements could be made once I received the notification. I had been paying 75.00 a month - they wanted 300.00 a month. I told them that I could pay 150.00, and no response was given.

I know that I was suppose to call them in February to discuss other arrangements, and with everything that I have going on personally - working 2 jobs anywhere from 70 to 90 hours a week, supporting a disabled husband, a daughter who just had to have knee reconstructive surgery (she is over 20, and unable to work right now), as well as my 3 year old grandson. I'm also dealing with my father who has alzheimers. I tried to explain this to the people, but they wouldn't listen to anything I had to say.

I have very little equity in my home, so borrowing against my home is not something I can do.

I need to know what to expect, what can I do, what are my options? I don't understand all the legal jargon included with the Levy/Garnishment notification.

Ok, basically once they get a judgement ( there had to be a court case where they took you to court , you should have been notified) if you received a notice to respond it appears you did not.

After they get a judgement they have no reason to "deal" since they can take what they want basically.

As you have noted they have taken the money from your checking accounts, so don't put any more money in there, they will just take it.

They will basically start taking money from your paycheck, normally about 25 percent of each check will go to them first.