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I Can’t Afford a Lawyer to Stop My Wage Garnishment in Kentucky

Written by Steve Rhode


Dear Steve,

I had a good paying job and was able to take out a loan to help reestablish my credit. They used a car of mine as collateral and placed a lien on it.

I lost the good paying job and was unable to pay the monthly payments. I have a husband who does not have a job and is applying for disability due to health issues and not being able to work and we have a 5 year old son.

I have since gotten a decent job but its not the amount of money I was making when I took out the loan but it’s enough to get by.

They have started garnishing my wages making it to where I only bring home $500 a check and it is not enough to pay all of my bills plus food and gas for the next two weeks.

I saw something online about a Head of Household Exemption but I live in KY and I do not know if that exemption applies in KY. What can I do to stop this garnishment now? I can’t afford a lawyer and I really cannot afford them garnishing almost $400 a month! Please help me!



Dear Liz,

Once a debt gets through the lawsuit, judgment, and garnishment stage then you really need specific legal advice about how to handle your now legal issue.

There are two ways to handle this and both involve seeking assistance from an attorney who is licensed to practice law in your state. There is no shortcut for getting specific advice. It is often more expensive to assume or guess about how to tackle a legal situation when you have no experience.

Depending on your overall debt situation, it is often faster and cheaper to file bankruptcy to stop things like a wage garnishment. It’s easy to rebuild credit following bankruptcy.

You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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