What do I need to use Wage-Garnishment Response?

The stage; The debt; Your situation; Where.

Is Wage-Garnishment Response free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Wage-Garnishment Response

Q: How do I know the Wage-Garnishment Response output is good?

The skill verifies itself against its own quality checks: Surfaces the response deadline as the first, urgent item; Lists pay caps and protected/exempt funds to claim; Explains filing a claim of exemption/objection; Includes resolving or contesting the underlying debt.

🔵 Stable🕐 updated 2026-08-18 🔷 SkillSpec L3 pm-hardship

Respond fast when your wages are being garnished or about to be — the deadlines, the exemptions that can reduce or stop it, and the steps that protect your paycheck. Use when asked they're garnishing my wages, how do I stop wage garnishment, I got a garnishment notice, or can they take my whole paycheck. Produces the urgent-deadline map, the exemptions that may reduce or stop it (income caps, protected funds like benefits, head-of-household), how to file a claim of exemption, options to resolve the underlying debt, and where to get legal aid immediately. Not legal advice; centers fast legal-aid help.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“They're garnishing my wages — how do I stop it?”“I got a wage garnishment notice, what do I do?”“Can they legally take my entire paycheck?”“How do I claim an exemption to reduce a garnishment?”“Is it too late to fight a garnishment that already started?”

What to give it

▸The stage — notice received / already being deducted, and any date on the paperwork

▸The debt — what it's for (consumer, taxes, child support — rules differ sharply)

▸Your situation — income level, whether the funds involved are protected (benefits), household

▸Where — region (garnishment limits, exemptions, and deadlines are local)

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Surfaces the response deadline as the first, urgent item

✓Lists pay caps and protected/exempt funds to claim

✓Explains filing a claim of exemption/objection

✓Includes resolving or contesting the underlying debt

✓Routes to legal aid immediately given tight timelines

⚠️ What it refuses to do

**Missing the objection window** and losing the chance to reduce it.

**Not claiming exemptions** you qualify for.

**Assuming your whole paycheck** can be taken (caps usually apply).

**Ignoring protected funds** like benefits that often can't be touched.

**Trying to beat a deadline alone** instead of getting fast legal aid.

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="wage-garnishment-response"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Wage-Garnishment Response is one of 1174 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog