Free Garnishment Objection Letter PDF
Use this free garnishment objection letter template to explain why your wages are being over-garnished or why the deduction causes extreme hardship.
Published November 21, 2025
If too much is being taken from your paycheck, or the garnishment leaves you unable to pay basic bills, many courts allow you to file an objection. This free letter template turns your details into a clean PDF you can print and attach to your paperwork.
When to use this
- You believe your wage garnishment is more than what the law allows.
- Your garnishment leaves you unable to pay rent, utilities, or basic living expenses.
- You’re preparing to file an objection or hardship claim with the court.
How to do it (fast)
- Confirm the case number, court name, and creditor listed on your garnishment paperwork.
- Enter your personal, employer, and case details in the form.
- Add a short explanation of why the amount is wrong or why it creates hardship.
- Download the PDF and follow your court’s instructions for filing or serving the objection.
Why this helps
- Gives you a clear, respectful letter that courts and clerks can read quickly.
- Helps you organize the key facts—income, garnishment amount, and hardship—in one place.
- Pairs well with a wage garnishment calculation log so you can show your math.
Related tools
- Garnishment Objection Letter PDF tool
- Wage Garnishment Calculation Log PDF
- Proof of Income PDF Generator
Not legal advice. Courts set their own rules. Keep your original records.