Wage Garnishment

How Do I Stop Wage Garnishment In Ontario?

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Wage Garnishment In Ontario

If your creditor doesn’t receive the money they are owed, they can turn to wage garnishment in Ontario as a court-mandated way to directly take funds from your income. When you have ignored payments (or have been unable to meet them), your creditors can take up to 20 percent of your gross wages to go towards what you owe. 

Creditors often start garnishing wages if you’ve defaulted on your loans or haven’t made payments on your debts despite consistent reminders. That said, you do have options to stop this process.

Who Can Garnish Wages In Ontario?

  • Credit card company
  • A collection agency
  • Payday loan lenders
  • The Canada Revenue Agency (CRA
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How Does A Wage Garnishment Work?

To garnish wages, a creditor will need to file a Statement of Claim and bring the motion to the court to obtain a judgement and wage garnishment order. As a debtor, you will have 21 days to respond to the Statement of Claim to either dispute the debt or notify the creditor of an error. If there is no response, the court will assume you agree to the debt, and the creditor gets their Garnishment Order.

According to the Canadian Government, if an individual owes a sum of money to the CRA and cannot or refuses to pay it, the CRA can garnishee their wages. In the event of a wage garnishment, the CRA will provide a debtor’s employer with a requirement to pay notice instead of presenting it to the debtor. 

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How Do I Stop Wage Garnishment In Ontario?

One way to stop wage garnishment in Ontario once the order is in action is to file a consumer proposal. If you’re unsure how a consumer proposal works contact David Sklar & Associates we can walk you through the process.

Depending on your situation, you may not have to file bankruptcy to get a garnishment lifted. For many debtors, this avenue of debt relief is an ideal way to settle debts without some of the severity of filing for bankruptcy.

If you qualify, filing a Consumer Proposal will enable you to:

Stop garnishments

Stop collection calls

Keep your assets

Pay off all your debts at a fraction of the total owing in five or less years.

Your Trustee will advise you on whether or not you are eligible for wage garnishment protection by filing a consumer proposal or personal bankruptcy.

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Find out how much you can save with our
Consumer Proposal Debt Calculator

Use the slider below to tell us how much you owe and we will show you how much you can save!

*Do Not Include Mortgage or Car Loan Debt.

$10,000 $250,000

With a consumer proposal at 0% interest, you will only have to pay back:

$3,480/$58 per month

*This calculator is for demonstration purposes only. Your results may vary based on your unique financial situation.

Advantages of a Consumer Proposal

Getting into debt is easy. Getting out is a different story.

But it's still possible!

Did you know there is a Debt Program federally regulated by the Canadian Government, designed to help citizens avoid claiming bankruptcy? This amazing program can only be administered by a Licensed Insolvency Trustee (LIT).

If you’re struggling to make your payments every month and creditors won’t stop calling, we can help.

What our clients are saying.

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I am so grateful to Jackie Stanley with David Sklar & Associates.She has listened and worked with me to come to a reasonable solution.Jackie has provided so much information, walking me through everything. I couldn’t ask for a more patient, kind and understanding person to help me.I look forward to working with her through my time with David Sklar & Associates.
16:26 09/26/22
I had a great experience. Christine and David made me feel well taken care of and at ease with the whole process!
17:03 09/23/22
Jackie Stanley is an extremely personable, friendly and professional representative with David Sklar & Associates. Her customer service skills are exemplary and her knowledge with regards to my situation and helping me with getting my life back on track was just amazing. She was very understanding of my issues, and took her time to make sure that I understood everything. At the end of my meeting with her I left feeling emotional but relieved to know now that my life can finally move forward. Jackie, you have been a great asset in my life and I will never forget your kindness. Mr. Sklar I would just like to say that you have a 5 Star representative in your associate Jackie Stanley.Respectfully, Bob
12:29 09/23/22
I was in so much stress and in a lot of debt Jackie Stanley was extremely and professional help to get out of my debt I recommend in reaching out to her you won't regretted. Thank you to Jackie and to the whole team David Sklar & Associates Inc.
02:22 09/23/22
Jackie, has been amazing in this very life altering time, she’s been prompt and exceptional at bringing understanding of the process, it’s been a great transition the whole crew is to thank.
00:59 09/23/22
It's my first experience with David sklar and I my say a big thanks to u guys for ur good work and I recommend David sklar to everyone and I can't forget a big thanks to Jackie Stanley am so happy
00:24 09/23/22
Christine was a great help, very personable and knowledgeable. She listens to you and puts you at ease with your situation. Very much appreciated assistance.
20:36 09/12/22
I had the opportunity to become a client of David Sklar & Associates. Christine Sylver had assisted in helping me understand and get through the process quick and efficiently. She was very sweet and very accommodating! She made me feel very comfortable to ask any questions and went above and beyond. I would 100% recommend this wonderful team.
22:19 09/09/22
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We are David Sklar

Our team of Licensed Insolvency Trustees in Ontario can help you get out of debt and in control of your own financial future. We’ve helped thousands of people and we can help you too. 

We know this is stressful, but you're not alone.

It’s going to be okay.
Book your free consultation today. We’ll do the rest.