
Utah Wage Garnishment
Is Your Paycheck Being Garnished? We Can Stop It Immediately
You’ve worked hard all month, putting in the hours and looking forward to your paycheck. You open the envelope or check your direct deposit, and your heart sinks. A huge chunk of your earnings is simply gone, taken by a creditor.
A garnishment isn’t just an inconvenience; it’s a financial emergency. Suddenly, you don’t have enough for rent, the mortgage, groceries, or gas. Your budget is thrown into chaos, and the stress can be overwhelming as you realize this will happen with every single paycheck.
But you don’t have to stand by while your wages disappear. You have the power to stop it now.
For over 40 years, the team at Rulon T. Burton & Associates has been the first call for Utah residents who need to stop garnishments immediately. We understand the devastating impact of a wage or bank garnishment and have helped thousands of clients protect their income and get their finances back on track.
This page explains how garnishments work in Utah and reveals the single most powerful legal tool you have to stop them and protect every dollar you earn.
How Garnishment Works in Utah: A Creditor's Ultimate Weapon
A garnishment is a legal order that allows a creditor to seize your money directly from the source. To do this, a creditor must first sue you and win a court decision. Once they have that judgment, they can legally force your employer or bank to return your money.
Under Utah law, a creditor with a judgment can take aggressive action:
- Wage Garnishment: They can order your employer to withhold up to 25% of your disposable income from every single paycheck and send it directly to them.
- Bank Levy: They can freeze your bank account without warning and seize the entire balance—up to the full amount of the judgment—leaving you with nothing to pay your bills.
You cannot simply ask your employer to stop garnishing. They are legally required to follow the court order. This leaves many people feeling trapped, watching their hard-earned money vanish week after week.
Your Most Powerful Tool to Stop Garnishment Instantly
You have an incredibly powerful legal tool that can STOP a garnishment immediately and protect your future paychecks.
Filing for Chapter 7 or Chapter 13 bankruptcy immediately halts all garnishments.
The moment we file your case, a federal protection called the Automatic Stay goes into effect. This is a binding court order sent to your employer, your bank, and the creditor, legally forcing them to stop all collection activities. This includes any and all garnishments.
Here’s how filing for bankruptcy with the Rulon T. Burton team provides complete protection from garnishments:
- Stop Garnishment Instantly: The Automatic Stay is a direct command to your employer to stop withholding your wages. You get to keep your full paycheck.
- Protect Your Bank Account: The Stay prevents creditors from levying your checking or savings accounts and protects the money you have.
- Potentially Recover Seized Funds: If a creditor has recently garnished your wages or bank account, we are often able to recover that money for you.
- Eliminate the Debt for Good: Bankruptcy doesn’t just pause the problem—it solves it by discharging the underlying debt that led to the garnishment in the first place.
Filing for bankruptcy is not admitting defeat. It’s a proactive, strategic decision to protect your livelihood, provide for your family, and secure your financial future.
Time is Critical—Every Paycheck Counts
A garnishment will continue with every single paycheck until the debt is fully paid, along with years of interest and legal fees. The longer you wait, the more of your hard-earned money you will lose forever.
The team at Rulon T. Burton & Associates combines decades of experience with a thorough knowledge of Utah garnishment laws and a genuine commitment to helping you.
Your initial consultation is completely FREE and confidential. We will review your situation, explain your options in clear terms, and show you exactly how we can stop the garnishment and help you find lasting financial stability.