My name is Lucile i was wondering what i need to do for a garnishment on my wages

In Georgia, if a creditor sues and gets a court judgment on the debt, it can file a garnishment action to collect the judgment.  By the time this occurs, it is normally too late to dispute the debt.  So, your options are limited.  You can try to negotiate a settlement of the claim by contacting the attorney that filed the garnishment action, but this will likely require a lump sum payment and/or a significant monthly payment.  By the time the case has gone this far, many creditors simply won't negotiate anything other than a lump sum settlement. If settlement is not an option, bankruptcy options may need to be considered.  You may be able to discharge the debt completely in a Chapter 7 bankruptcy.  In a Chapter 13 bankruptcy, the debt may be paid a small percentage, or in many cases nothing at all, as part of a plan that deals with all of your debts. The most important thing to remember is this.  Get immediate advice from a qualified, experienced attorney.  There is no substitute for experience.  Most good attorneys that handle debt matters offer a free initial consultation.  Don't wait.  Get help today. MORGAN & MORGAN ATTORNEYS AT LAW, P.C. IS LOCATED IN ATHENS, GEORGIA.  WE HAVE MORE THAN 30 YEARS EXPERIENCE HELPING PEOPLE WITH BANKRUPTCY AND DEBT RELIEF, SOCIAL SECURITY DISABILITY, WORK-RELATED INJURIES, AND OTHER LEGAL PROBLEMS.  VISIT OUR WEBSITE AT WWW.MORGANLAWYERS.COM OR CALL (706)548-7070.