What to Do When a Garnishment Takes More Than You Owe

An over-garnishment occurs when a creditor or debt collector withholds more funds than the outstanding judgment, including accrued interest and court costs. Because the surplus is not legally theirs, the debtor must act quickly to retrieve it. Verification involves matching the total garnished amount against the precise judgment balance right before the disputed levy, accounting for all permissible charges.

Once an overpayment is established, the debtor should obtain a full accounting from the creditor, compare it with pay stubs or bank statements, and formally request the return of the excess. If the creditor refuses or disputes the claim, the debtor may need to file an objection or motion with the court, following the specific rules of their state. Prompt resolution helps prevent further withholding while the issue is addressed. The article also advises consumers to explore debt-relief options before judgments arise, such as payment plans, consolidation loans, or settlement negotiations, to avoid garnishment altogether.