Wage garnishment is a legal process where some of your wages are diverted to pay off a debt. That can be a really difficult situation to be in. One option to get out of wage garnishment is getting a debt consolidation loan.
But for most, it’s not going to be available due to its credit and income requirements. However, there are other ways to stop wage garnishment, including negotiating with your creditors or entering into a debt repayment agreement.
What is wage garnishment and how does it work?
Wage garnishment is a legal process wherein a person’s earned wages are withheld by an employer, per a court order, and sent directly to a creditor. Wage garnishment can happen when someone falls behind on payments and then has a debt, such as a credit card or tax bill, that’s in collections. Before wage garnishment can occur, there is a distinct process that begins once you fall behind on your payments.
“Wage garnishment happens when you get sued by a creditor, you lose the lawsuit, and you get a judgment against you. To be sued, your debt would need to be delinquent,” said Leslie Tayne, a financial attorney based in New York. “Some states have limitations on wage garnishment.”
There’s also a federal limit to how much of your income can be garnished. Due to the Consumer Credit Protection Act, most wage garnishment is limited to the lesser of either 25% of your disposable income or “the amount by which an employee’s disposable earnings are greater than 30 times the federal minimum wage.” However, there is an exception to these limits for certain types of debt, including some bankruptcy court orders, as well as federal or state tax debts.
Either way, having a portion of your income taken away can have tremendous consequences for your finances. For example, if you’re already behind on multiple payments, it can cause your debt to snowball, and even for more debts to go to collections and potentially have legal action (such as wage garnishment) taken. So, stopping wage garnishment as soon as possible is essential. Fortunately, there are actions you can take, such as debt consolidation.
Keep Reading: What Is Debt Consolidation?
Can debt consolidation stop wage garnishment?
Yes, in some cases, a debt consolidation loan can stop wage garnishment. A debt consolidation loan is a type of personal loan that combines existing debts into a new loan with its own terms. Your loan funds are then used to pay off debts, and you only have to make one payment to your new lender. These products are often used to get better terms, such as lower interest rates or more affordable monthly payments.
It’s also vital to make sure that the funds are disbursed in a timely manner. That’s because many times wage garnishment comes with an interest rate (often ranging from 2% to 18%) — so waiting to apply, or to get the funds, can mean your borrowed amount isn’t enough to cover the full costs. That means you could still experience wage garnishment if there’s a leftover balance. So it can help to look for lenders that have quick loan approval and funding times.
However, there is a significant catch here since it’s difficult to qualify for these loans once you have a debt that’s resulted in wage garnishment.
Related:
- How Long Does It Take to Get a Personal Loan?
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4.24.2
Credible rating
Fixed (APR)
6.99% - 25.49%
Loan Amounts
$5,000 to $100,000
Min. Credit Score
700
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Lightstream is one of three Credible partner lenders to offer loan amounts up to $100,000, which makes it ideal for financing large expenses like home improvements or weddings. Funds are available as soon as the same day you apply, and you'll have up to 20 years to repay certain types of loans, including home improvement loans, RV loans, and boat loans. There are no origination fees, and rates are low — Lightstream's lowest APR beats SoFi's advertised lowest APR by 1 percentage point. But you'll need good credit to qualify.
Unlike most lenders, Lightstream does not let you prequalify on its site. Nor does it provide a contact phone number next to its customer service hours on its website.
Loan amount
$5,000 to $100,000
Repayment terms
2 - 20 years, depending on loan purpose
Fees
None
Discounts
Autopay
Eligibility
Available in all states except RI and VT
Min. income
Does not disclose
Customer service
Soft credit check
No
Time to get funds
As soon as the same business day
Loan uses
Credit card refinancing, debt consolidation, home improvement, and other purposes
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3.93.9
Credible rating
Fixed (APR)
7.80% - 35.99%
Loan Amounts
$1,000 to $50,000
Min. Credit Score
620
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on Credible’s website
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Upstart has one of the lowest available APRs of Credible partner lenders and of all non-partners we reviewed, making it a good choice for well-qualified applicants. However, it's also is one of few lenders that doesn't have a minimum credit score requirement (if you apply on the lender's website), which makes it an option if you have bad credit or no credit history. Upstart may charge an origination fee as high as 12%, but good-credit borrowers may not be charged one at all.
Trustpilot gives Upstart 4.9 stars, which is the highest of all lenders we reviewed.
Loan amount
$1,000 to $50,000
Fees
Origination fee
Discounts
None
Eligibility
Available nationwide
Min. income
$12,000
Customer service
Phone, email
Soft credit check
Yes
Time to get funds
As soon as 1 to 3 business days
Loan uses
Pay off credit cards, consolidate debt, relocate, make a large purchase, and other purposes
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4.44.4
Credible rating
Fixed (APR)
-
Loan Amounts
$2,500 to $40,000
Min. Credit Score
660
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on Credible’s website
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Overview
Discover Personal Loans offers low APRs, repayment terms up to seven years, no origination fees, nationwide availability, and doesn't require your Social Security number to prequalify on its site. You'll need to have an annual income of at least $40,000, and a FICO score 660 or higher, to be eligible. If your credit score is fair or poor, you'll need to go elsewhere, as Discover doesn't allow cosigners.
Funds are available as soon as the next business day after loan approval.
Loan amount
$2,500 - $40,000
Repayment terms
3 - 7 years
Fees
Late fee
Discounts
None
Eligibility
Available in all 50 states
Min. income
$40,000
Customer service
Phone
Soft credit check
Yes
Time to get funds
Funds can be sent as soon as the next business day after acceptance
Loan uses
Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding
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44
Credible rating
Fixed (APR)
8.98% - 35.99%
Loan Amounts
$1,000 to $40,000
Min. Credit Score
660
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on Credible’s website
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Overview
LendingClub is a solid lender for good credit borrowers and some fair credit borrowers that apply directly on its website. It's easy to prequalify with LendingClub, especially if you're uncomfortable providing your Social Security number, as the company doesn't require it at the prequalification stage. (You will need to provide it if you move forward with a full application.)
While prequalification is not a guarantee that you'll be approved for a loan, LendingClub does a better job than most other Credible partner lenders at approving applicants that have successfully prequalified. In other words, you're less likely to have your application declined once you apply (if you've already prequalified). LendingClub may charge an origination fee between 3% and 8%.
Loan amount
$1,000 to $40,000
Fees
Origination fee
Discounts
None
Eligibility
Available in all 50 states
Min. income
None
Customer service
Phone, email
Soft credit check
Yes
Time to get funds
Within 3 days
Loan uses
Debt consolidation, paying off credit cards
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4.94.9
Credible rating
Fixed (APR)
8.99% - 29.99%1
Loan Amounts
$5,000 to $100,000
Min. Credit Score
Does not disclose
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on Credible’s website
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Overview
SoFi stands out for offering no-fee personal loans with competitive rates, high loan amounts, long loan terms, discounts for autopay and direct pay, and funding as soon as the same day. Plus, SoFi prioritizes convenience for existing and potential customers with features like live chat and an easy prequalification process that doesn't require your Social Security number.
The main catch is that you need to qualify for a loan with SoFi, which can be hard to do if you don't have good credit. You also won't be able to apply with a cosigner, since SoFi doesn't accept cosigners; nor does it offer secured personal loans.
Loan Amount
$5,000 to $100,000
Repayment terms
2 - 7 years
Fees
Option to pay an origination fee in exchange for a lower rate
Discounts
Autopay, direct pay
Eligibility
Available in all states
Min. income
Does not disclose
Customer service
Phone, email, live chat
Soft credit check
Yes
Time to get funds
Typically within a few days, given approval and bank account verification, but sometimes within the same day
Loan uses
Solely for personal, family, or household uses
Read full review
44
Credible rating
Fixed (APR)
8.99% - 35.99%
Loan Amounts
$2,000 to $50,000
Min. Credit Score
600
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on Credible’s website
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Best Egg is a solid lender for a wide range of borrowers and, notably, scored second for personal loan satisfaction in J.D. Power's Consumer Lending Study. It offers competitive rates, reasonable loan terms and amounts, and personal loans for fair credit. You'll need a FICO score of at least 600 to qualify, but the lower your score, the higher your APR may be. The APR includes the interest rate and origination fees, which range from 0.99% to 9.99% with Best Egg.
Note that if you successfully prequalify with Best Egg, you may be more likely to be approved for the loan relative to other lenders you prequalify with. Based on Credible data, borrowers who chose to apply for a loan with Best Egg were more than twice as likely to be approved (relative to most other Credible partners).
Loan amount
$2,000 to $50,000
Fees
Origination fee, late fee, unsuccessful payment fee, check processing fee
Discounts
None
Eligibility
Available in all states except DC, IA, VT, and WV
Min. income
None
Customer service
Phone, email
Soft credit check
Yes
Time to get funds
As soon as 1 to 3 business days after successful verification
Loan uses
Credit card refinancing, debt consolidation, home improvement, and other purposes
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3.93.9
Credible rating
Fixed (APR)
9.95% - 35.99%
Loan Amounts
$2,000 to $35,000
Min. Credit Score
550
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on Credible’s website
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Overview
Avant personal loans are a good choice for borrowers with bad credit looking for small- to moderate-sized personal loans. Loans are available up to $35,000 and you could get the money as soon as the next business day after approval. Plus, Avant is more likely than some lenders to approve the applications of borrowers who've prequalified with Avant. However, the lender charges an origination fee up to 9.99%, and its top-range interest rates are among the highest of the lenders we reviewed.
Loan amount
$2,000 to $35,000**
Fees
Origination fee, late fee, dishonored payment fee
Discounts
None
Eligibility
Available in all states except HI, IA, MA, ME, NY, VT, and WV
Min. income
$1,200 monthly
Customer service
Phone, email
Soft credit check
Yes
Time to get funds
As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
Loan uses
Debt consolidation, emergency expense, life event, home improvement, and other purposes
Repayment terms
2 to 5 years
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Fixed (APR)
9.99% - 35.99%
Loan Amounts
$1,000 to $50,000
Min. Credit Score
600
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on Credible’s website
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Upgrade has a suite of features that make it a very attractive lender: competitive interest rates, discounts for direct pay and autopay, as soon as same-day funding, up to seven-year repayment terms, and nationwide availability. Plus, loans are available to fair-credit borrowers, and you don't need to input your Social Security number to prequalify on the website. Upgrade even offers secured personal loans, which is not common among lenders.
However, Upgrade does charge an origination fee of 1.85% to 9.99%. You must have a FICO score of at least 600 and a minimum income of $25,000 annually to qualify.
Loan amount
$1,000 to $50,000 ($3,005 minimum in GA; $6,600 minimum in MA)
Repayment terms
2 to 7 years
Fees
Origination fee
Discounts
Autopay and direct pay
Eligibility
Available in all states
Min. income
Does not disclose
Customer service
Soft credit check
Yes
Time to get funds
1 business day
Loan uses
Credit card refinancing, debt consolidation, home improvement, major purchase, other
Read full review
4.34.3
Credible rating
Fixed (APR)
-
Loan Amounts
$5,000 to $35,000
Min. Credit Score
700
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on Credible’s website
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It’s worth considering a personal loan through Splash if you have good credit (ideally, a FICO score above 700). The platform offers loans from a wide range of lenders, and next-day funding is available. Plus, Splash has a live chat feature so you can get real-time answers without having to wait on hold or for an email. Loans are available up to $100,000 if you apply via Splash’s website.
Rates are competitive, but borrowers with excellent credit may find lower APRs elsewhere. If you need a repayment term longer than five years, you’ll need to look elsewhere as well.
Loan amount
$5,000 - $100,000 (up to $35,000 on Credible)
Fees
Origination fee
Discounts
None
Eligibility
Available in all states except VT. OH and NM net disbursed amount must be greater than $5,000. MA must be greater than $6,000
Min. income
$45,000
Customer service
Live chat
Soft credit check
Yes
Time to get funds
Same day available, typically 1-3 days
Loan uses
Debt consolidation, home improvement, medical expenses, major purchases
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4.34.3
Credible rating
Fixed (APR)
11.69% - 35.99%
Loan Amounts
$1,000 to $50,000
Min. Credit Score
560
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on Credible’s website
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Overview
Universal Credit is one of a handful of lenders that offers personal loans for bad credit. If your FICO credit score is at least 560, you may be eligible for a Universal Credit personal loan. It offers loan amounts up to $50,000, repayment terms up to seven years, and discounts for direct pay and autopay. Funds are available as soon as the next business day after loan approval.
Note that rates and fees can be relatively high — you may pay an origination fee from 5.25% to 9.99%, and APRs start at 11.69%. If you get a loan with a high interest rate, consider refinancing your personal loan at a lower rate once you've improved your credit score.
Loan amount
$1,000 - $50,000
Repayment terms
3, 5, or 7 years
Fees
Origination fee
Discounts
Autopay and direct pay
Eligibility
A U.S. citizen or permanent resident; not available in DC, IA, SC, WV
Min. income
None
Customer service
Phone, email
Soft credit check
Yes
Time to get funds
As soon as 1 business day after acceptance
Loan uses
Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases
Read full review
3.93.9
Credible rating
Fixed (APR)
11.72% - 17.99%
Loan Amounts
$5,000 to $40,000
Min. Credit Score
640
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on Credible’s website
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Overview
Happy Money has been in operation since 2009 (formerly known as Payoff). It's an option for fair-credit borrowers (plus those with better credit), and notably has a relatively low top-end APR. In other words, you could qualify for a lower rate with Happy Money with fair credit, relative to other lenders that offer fair-credit loans. The company does charge an origination fee on some loans, up to 5%, but that's not as high as some other lenders' origination fees.
You should be prepared to wait a few days to get your money, as funding can take three to five days once approved. And loans aren't available in Massachusetts or Nevada. Happy Money has an A+ rating with the BBB and is ideal for debt consolidation and credit card consolidation loans.
Loan amount
$3,000 to $40,000
Fees
Origination fee
Discounts
None
Eligibility
Available in all states except MA, MS, NV, and OH
Min. income
None
Customer service
Phone, email, chat
Soft credit check
Yes
Time to get funds
As soon as 2 - 5 business days after verification
Loan uses
Debt consolidation and credit card consolidation only
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44
Credible rating
Fixed (APR)
-
Loan Amounts
$20,000 to $200,000
Min. Credit Score
660
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on Credible’s website
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Overview
BHG Financial stands out for offering the largest loan amounts — up to $200,0001 — of any Credible partner lenders. Simply put, if you need an unsecured personal loan over $100,000, there are very few places to look, but BHG is one. You'll have up to 10 years to repay the loan, but you'll need an annual income of at least $100,000 to qualify and a FICO score that's 6601,2 or higher.
Loan amounts start at $20,000, so look elsewhere for small loans. And BHG charges a modest origination fee between 3% and 4%, depending on your financial profile. Loan funds are available within five to 14 days of loan approval. Note that you can't prequalify with BHG.
Loan amount
$20,000 - $200,0001
Repayment terms
3 - 10 years1,2
Fees
Origination fees, late fees, other fees may apply
Discounts
None
Eligibility
Available in all states except Illinois, North Dakota, and Montana
Min. income
$100,000
Customer service
Email, phone
Soft credit check
Not on lender's site
Time to get funds
In as few as 5 days3
Loan uses
Debt consolidation, baby (adoption), engagement ring financing, moving (relocation), business, home improvement, special occasion, cosmetic procedures, major purchase, taxes, credit card refinancing, medical expenses, vacation, wedding, other
Read full review
3.73.7
Credible rating
Fixed (APR)
14.30% - 35.99%
Loan Amounts
$3,500 to $40,000
Min. Credit Score
640
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on Credible’s website
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Overview
Reach is an option if you have fair credit, especially if you need money fast. According to the company, 90% of Reach personal loans are funded within one day of approval.
It's a good choice for debt consolidation and credit card refinancing, but borrowers with excellent credit may not find the lowest rates with Reach. The company also charges more fees than some of its competitors and doesn't offer direct pay or autopay discounts. If you need a 7-year term loan, you'll need to look elsewhere. Reach personal loans are not available in all states.
Loan amount
$3,500 to $40,000
Fees
Origination Fee, $15 Late Fee, $25 NSF Fee
Discounts
None
Eligibility
Available in all states except CO, CT, ME, NV, NH, TN, VT, WV, WY, and all U.S. Territories
Min. income
$1,000 monthly
Customer service
Phone, email
Soft credit check
Yes
Time to get funds
Funds typically deposited into your account in 1 business day13
Loan uses
Debt consolidation, credit card refinancing
Read full review
3.93.9
Credible rating
Fixed (APR)
18.00% - 35.99%
Loan Amounts
$1,500 to $20,000
Min. Credit Score
540
Check Rates
on Credible’s website
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Overview
OneMain Financial has multiple options for bad-credit personal loans. There is no minimum credit score required (if you apply directly with OneMain), which means you could get a loan with bad credit (FICO below 580). Plus, cosigners are allowed — a cosigner is someone (ideally, with good credit) who promises to repay the loan if you can't, which can make it easier to qualify or lower your rate. And, secured personal loans are available. You secure a loan with collateral, which may also help you qualify or lower your rate.
Rates are higher than competitors and OneMain charges origination fees as either a flat fee up to $500, or a percentage from 1% to 10% (depending on your state of residence). Note that even if you prequalify for a personal loan with OneMain, getting approved isn't a given.
Loan amount
$1,500 to $20,000
Fees
Origination fee, unsuccessful payment fee, late fee
Discounts
None
Eligibility
Must have photo I.D. issued by U.S. federal, state or local government
Min. income
Does not disclose
Customer service
Phone, email
Soft credit check
Yes
Time to get funds
As soon as 1 to 2 days after acceptance
Loan use
All except business, and education
Read full review
All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | SoFi Disclosures | Read more about Rates and Terms
How to qualify for a debt consolidation loan if your wages are being garnished
Debt consolidation loans require applicants to meet certain requirements, such as having a high enough credit score and income, in order to get approved.
The chances that someone who is experiencing wage garnishment can get a debt consolidation loan or any personal loan are “pretty slim, especially without a cosigner or a great credit score,” said Tayne, who’s dealt in consumer and business debt relief and debt settlement for over 20 years. As she added, having a wage garnishment on your pay stub or credit report is a significant mark against you in lenders’ eyes.
If a debt consolidation loan is something you’re interested in exploring, however, here are the steps you’d need to take to get one:
- Gather information: You should contact your creditor or debt collection company to find out how to successfully complete the process of paying off your debt, as well as any wage-garnishment-related costs, such as interest or fees and the total amount needed to pay off your debt.
- Check your credit: You need to know where you stand in order to see if qualifying is possible for you. In general, lenders want to see a score of 670 or higher, but some accept those with only “fair” credit (usually considered to be a score between 640 and 699).
- Protect your score: Once you check your score, it’s important to do everything you can to preserve your score before you apply. That means doing things such as keeping up with any other payments and keeping old credit accounts open.
- Shop around: Your options for lenders may be limited based on your credit, so it’s key to shop around to find the one that offers the best terms for you. If available, always do prequalification — which is a soft credit pull that shows if you’re likely to qualify, and what the loan terms could be. Remember that prequalification is not an offer of credit, and your final rate could be higher.
- Apply for the loan: Once you find the best lender for you, you’ll need to apply with that company. This typically means providing personal information, such as your address, income, and Social Security number. A hard credit check will be performed once you formally apply, which can lower your credit score temporarily.
- Use the loan to pay off your debts: If you are approved, the lender will disburse the funds, typically to your bank account. From there, you can use the funds to pay off your various debts.
Tip: If you can’t qualify for a debt consolidation loan, a cosigner with a good to excellent credit score can help. Keep in mind that a cosigner will be responsible for payments if you default.
Because wage garnishment is a legal action, it’s vital to seek professional advice before going with a debt consolidation loan. For example, if you have multiple wage garnishments, getting rid of one may not help much, Tayne noted. A debt lawyer or financial professional can help point you in the right direction.
Other ways to stop wage garnishment
- Negotiate with creditors: It can be difficult to successfully negotiate for a lowered debt amount once you’ve reached the point of having wages garnished. And, according to Tayne, it will typically require you to make a lump-sum payment to pull it off. However, it may still be worth contacting your creditors to see if there is any possibility, especially if you can swing a single, large payment.
- Seek legal assistance: An attorney who is familiar with the laws surrounding debt and wage garnishment may be able to help stop it from happening. However, there will be a cost here. Still, if they are able to find a reason to overturn the ruling for wage garnishment, it can pay off.
- Enter a debt repayment plan: A debt repayment plan can also help you get out of debt and wage garnishment, assuming your creditor or debt collection agency approves. Like a debt consolidation loan, it would give you a structured path out of debt. But you may not be able to have as much control over the terms of repayment.
- File a claim of exemption: If you qualify for an exemption, you may be able to stop wage garnishment. However, this can be difficult, and exemptions can be different from state to state, so you may want to consult with a lawyer first.
- Consider a home equity loan or HELOC: If you own your home, a home equity loan or home equity line of credit (HELOC) are other options to access funds which may be used to pay off debts. It requires your home to have built-up equity from which to borrow against, and for you to make monthly payments (including interest charges) to repay that loan. A home equity loan is disbursed as a lump sum of cash, while a HELOC can be drawn from continuously until the end of the draw period.
- File for bankruptcy: If all else fails, filing for bankruptcy can at least temporarily stop wage garnishments, but it should always be a last resort. If you’re able to successfully file, it would also wipe out all or most of your existing debts (depending on the type of debt). That could leave you free of wage garnishment. However, there can be exceptions to this rule, so it’s best to consult with an attorney first. Keep in mind that your credit score could drop as much as 130-200 points (depending on your score) after you file for bankruptcy.
Related:
- Debt Consolidation vs. Bankruptcy
- Personal Loan After Bankruptcy
Should I get a debt consolidation loan to stop wage garnishment?
If you can qualify for one, a debt consolidation loan can be a viable option to stop wage garnishment, since it would provide a lump sum of cash that you could use to pay off your debt. It would also give you the opportunity to structure your payments in a way that might be easier to handle, and your paychecks would increase back to the levels you’re accustomed to.
But, again, due to the credit and income requirements, a loan can be difficult to access. So other options, such as seeking help from a credit counselor, could be a better option to stop wage garnishment. You can find a list of credit counseling agencies from the U.S. Department of Justice.
Check Out: Pros and Cons of Debt Consolidation
FAQ
Can debt consolidation guarantee the complete stoppage of wage garnishment?
Not necessarily. If, for example, your loan takes a while to be disbursed, there could be additional interest charges that could increase the payoff amount.
That could mean you’d have leftover debt above your loan amount. It’s also very difficult to qualify for debt consolidation loans once you’ve started experiencing wage garnishment.
How long does wage garnishment typically last?
It lasts until all of the debt is paid. This can vary widely, depending on how much you owe. The length that your judgment is valid depends on where you live — though it can be renewed to allow the creditor to collect the full debt.
Will debt consolidation affect my credit score?
Yes. Applying for a debt consolidation loan will slightly hurt your credit score, since it’s counted as a new inquiry. The most important way it will impact your credit, though, is dependent on whether or not you’re able to keep up with the monthly payments. Missed payments will damage your score, while on-time payments will help.
Learn More:
- Does Applying for a Loan Hurt Your Credit Score?
- How Does a Personal Loan Affect Your Credit Score?
Can debt consolidation help with other financial challenges besides wage garnishment?
Yes. For example, if you’re having trouble making your monthly payments, or you simply want to lower your debt interest rates, a consolidation loan can help. Plus, you’d only have to make one monthly payment. You will have to qualify for these loans, however, which are dependent on credit.
Related Articles:
- Debt Consolidation Loan Rates
- Types of Debt Consolidation Loans
- How To Pay Off Debt Fast
- How To Pay Off Credit Card Debt
- How To Get Out of Debt With Bad Credit
- How Debt Consolidation Helps Credit
- Debt Consolidation vs. Balance Transfer
- Unemployed With Credit Card Debt
Meet the expert:
Devon Delfino
Devon Delfino is an independent writer specializing in personal finance. Her work has been featured in publications such as the L.A. Times, U.S. News and World Report, Mashable, The Startup, Business Insider, Forbes, MarketWatch, CNBC, and USA Today, among others.
