I sent a certified letter to the lawyer a month ago and have not received a response. Then I sent another one to the original creditor about two weeks ago. I want to stop a wage garnishment and have offered to pay a lump sum. What should I do to get a response. I want to buy a house and I know I have to pay this off before I can. I have offered to pay a lump sum of $1850 of a $4,900 debt, plus the amounts already taken out of my paycheck, which is about $600 and what is still being deducted from my payroll check. I did this so I would be able to increase the amount if I need to, to get this settled.