What if my wages have already been garnished?

While the state credit card wage garnishment laws can be complicated, the good news is, it may not be too late. If you can jump through the necessary hoops and prove that you qualify for one of the legal exemptions (head of household, social security, disability, tenancy by the entireties), then the court will order the garnished money returned to you. However, be warned?debt collectors may drag their feet in submitting the order, causing a delay in the return of your money.