How do I find out who is garnishing my wages?

Here are some ideas for finding out who is garnishing your pay:

  1. Look for “Other” or “Miscellaneous” deductions if your pay is lower than usual and you think wage garnishment is occurring. They’re most likely collecting the money owing if you’ve recently been involved in a debt-collection case, or if you owe the IRS cash.
  2. You should inquire with your employer’s payroll department if your wages are being garnished. If they’re withdrawing money from your pay, they must provide you with a copy of the papers. Arkansas employers are required to provide you with a copy of the garnishment paperwork.
  3. Check back through any prior negotiations with creditors. You could discover a reference to wage garnishment in previous correspondence that you missed.
  4. Also, as soon as possible, request a credit report from each credit reporting agency.
  5. Contact the IRS to determine whether your earnings are being garnished. They should have mailed you a garnishment notice.


Seeking legal advice is the best course of action because wage garnishment is itself a case-by-case issue. While there is a general process, you can see that it’s multi-step, detailed, and can be complicated with additional filing deadlines and paperwork. 

However, just because the odds are stacked against workers to stop garnishments from being placed on their wages, that does not mean that they are powerless to stop it. If you’re having trouble paying your bills or making ends meet because of a wage garnishment, we can help. The first step to getting your creditors off your back, and stopping your wages from getting garnished, is giving us a call. If you need help, please don’t hesitate to text or call us for your free no-risk consultation with a bankruptcy attorney. 

wh Law, is a debt relief agency. We help people file for bankruptcy protection under the U.S. Bankruptcy Code.

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