You should consult with an attorney who specializes in personal bankruptcy. It may be possible to wipe out the entire debt, and any others that you have. For more information about these laws, please see: http://www.northwestlawoffice.com/bankruptcy.html
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You might want to bring the garnishment to an end by filing a bankruptcy proceeding. You should sit down with an experienced bankruptcy attorney to see if this is the right advice for you to follow.
If you qualify, file a Chapter 7 Bankruptcy you may discharge all medical bills and therefore stop all garnishments. Whether your employer can charge you the $20 for each garnishment is state specific. Contact a local bankruptcy attorney in your area with a great reputation to discuss this further. Best of luck.
Yes, WA statutes allow the employer to charge a $20 fee for the first response to a writ of garnishment and $10 for the second response to the writ. RCW 6.27.095. (Each wage garnishment requires two responses from the employer.) You receive an exemption claim form with the writ of garnishment. You might consult with an attorney to see if any exemptions apply. Otherwise, you should consult with a bankruptcy attorney as suggested by the other attorneys.
I am not your attorney. My response is provided for informational purposes only and does not constitute legal advice.
Our founding fathers put bankruptcy into the Constitution because they knew that people sometimes have financial problems that have no solution. If paying your debts is leaving you unable to feed your family, then wherein lies the greater sin? Sometimes in life all you can do is not enough and that is why mercy is extended and it is a blessing to be able to receive debt forgiveness. Give me a call at 253-761-8970.