How Can I Stop Wage Garnishments In Canada?


Having your wage garnished can be inconvenient in more ways then one. You need that money to pay your bills, fill up your gas tank, and to buy groceries. Luckily, a lawyer can offer you some help when it comes to getting your wages back. There are several reasons as to why the government of Canada felt it necessary to garnish your wages. Finding the proper attorney can help you get these reasons straitened out online.

How Do Wage Garnishes Happen?

A wage garnish may happen if the creditor you own money too, including the Canadian government, serves a warrant to your employer. This warrant will either force your employer to set aside some, or all of your wages, to pay off your debt. Luckily there are ways to fight it.

How To Fight It

There will be three basic options a Canadian lawyer will provide you. Each one has it’s own risks and benefits. Your lawyer will recommend the right one for your situation.

First, you can file for bankruptcy. This will effectively get rid of your debt. Since there will be no debt after you complete this process, there will be no further reason to garnish your wages.

This option does come with a downside. Filing for bankruptcy goes on your record. It will ruin your credit and make it difficult for you to get a loan from any bank or credit union. However, this credit can be reestablished with good, financial behavior.

You can also pay off the debt that you owe. If you owe money to the Canadian Revenue Agency, it’s likely they’ll be able to make a payment plan with you. They’ll be happy to know that you’re at least willing to try and pay off the debt that you owe.

If you owe money to a private creditor, you can file a consumer proposal. This option is much like the one you would choose when handling the Canadian government. This consumer proposal is legally binding. You will be forced to follow through on the agreement to partially pay back your creditors over time. If not, it’s likely you’ll face legal ramifications.

It’s Time To Get This Straitened Out

Owing money to an agency, bank or credit union can get really messy. They’ll stop at nothing to collect it. However, if you show that you’re willing to work it out in a legal and fair way, they might make a deal with you. In short, it’s more then possible to get your wages back.