Agent skill

Wage Garnishment Response

by mohitagw15856 in mohitagw15856/pm-claude-skills

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.

MITAuto-check passed

Install Wage Garnishment Response

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill wage-garnishment-response -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills wage-garnishment-response --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/wage-garnishment-response .claude/skills/wage-garnishment-response && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
wage-garnishment-response
GitHub stars
1.4k
Token cost
~1.2k tokens
SKILL.md length
595 words
Files
1
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

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.

  • Works in 5 steps: Find the deadline first. The… → Check the exemptions. Caps limit how… → File the challenge. A claim of exemption… → …
  • Asked theyre garnishing my wages
  • SKILL.md covers What This Skill Produces, Required Inputs, Framework: Beat the Clock,… and Output Format, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Wage Garnishment Response is an agent skill from mohitagw15856/pm-claude-skills. 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…

Its SKILL.md is about 1.2k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Asked theyre garnishing my wages
  • How do I stop wage garnishment
  • I got a garnishment notice
  • Can they take my whole paycheck

Example prompts

  • “/wage-garnishment-response”

Workflow steps

5 steps, taken from the first numbered list in SKILL.md.

  1. Find the deadline first. The response/objection window is short and everything hinges on it — identify it and act before it closes.
  2. Check the exemptions. Caps limit how much of your pay is reachable, and some funds (many benefits, certain income) are largely protected…
  3. File the challenge. A claim of exemption or objection, filed correctly and on time, can reduce or stop the garnishment — with the right…
  4. Address the underlying debt. Negotiating a payment plan or settling can end the garnishment; and check whether the judgment/debt was even…
  5. Get legal aid immediately. Given the deadlines, this is where free legal help matters most — don't wait to try it alone.

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Wage Garnishment Response loads about 1.2k tokens when it runs. Until then it costs about 158 tokens; SKILL.md has 595 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~158
When it runs · the whole SKILL.md, loaded when a task matches
~1.2k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 595 words, ~1,207 tokens.

Download SKILL.mdSave it as .claude/skills/wage-garnishment-response/SKILL.md (or your agent's skills folder).
name
wage-garnishment-response
description
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.

Wage-Garnishment Response

A garnishment notice is an emergency with a clock — there's usually a short window to object or claim exemptions, and missing it means watching a chunk of every paycheck vanish. This gets you moving inside that window: the deadlines, the exemptions that can reduce or stop it, how to file a challenge, options to resolve the debt, and where to get legal aid today — because speed is the whole game here.

What This Skill Produces

  • The deadline map — the short windows a garnishment gives you to respond, object, or claim exemptions, flagged as urgent-first
  • The exemptions to check — limits on how much of your pay can be taken, and protected funds that often can't be garnished at all (many benefits, certain income), plus protections like head-of-household where they exist
  • How to challenge it — filing a claim of exemption or objection, and what to bring
  • Resolution options — negotiating the underlying debt, a payment agreement, or addressing the judgment behind the garnishment
  • The stop-the-source view — whether the judgment itself can be contested or the debt was even valid (link to debt-collector-scripts)
  • An immediate-help pointer — legal aid and where to get fast, often-free assistance, because deadlines are tight

Required Inputs

Ask for these if not provided:

  • 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)

Framework: Beat the Clock, Claim Exemptions, Get Help Now

  1. Find the deadline first. The response/objection window is short and everything hinges on it — identify it and act before it closes.
  2. Check the exemptions. Caps limit how much of your pay is reachable, and some funds (many benefits, certain income) are largely protected; head-of-household and hardship exemptions may apply.
  3. File the challenge. A claim of exemption or objection, filed correctly and on time, can reduce or stop the garnishment — with the right documents.
  4. Address the underlying debt. Negotiating a payment plan or settling can end the garnishment; and check whether the judgment/debt was even valid.
  5. Get legal aid immediately. Given the deadlines, this is where free legal help matters most — don't wait to try it alone.
Show full SKILL.md (214 more words)Show less

Output Format

Garnishment response: [stage] · [debt type] · [region]

Deadline (act first): [the objection/exemption window — urgent]. Exemptions to claim: [pay caps · protected funds (benefits) · head-of-household/hardship]. How to challenge: [file claim of exemption/objection + documents needed]. Resolve the debt: [payment plan · settle · contest the judgment/validity]. Get help now: [legal aid · court self-help — because the clock is short].

Not legal advice — garnishment limits, exemptions, and deadlines are jurisdiction-specific, and child-support/tax garnishments follow different rules. Contact legal aid immediately.

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
  • Routes to legal aid immediately given tight timelines

Anti-Patterns

  • 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.

Example Trigger Phrases

  • "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?"

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in skills/wage-garnishment-response of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Wage Garnishment Response next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Wage Garnishment Response compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Wage Garnishment Response this skillmohitagw15856/pm-claude-skills1.4k—~1.2kAutomated safety check: PassMIT
Responsive Unitsthedaviddias/Front-End-Checklist74k—~472Automated safety check: PassMIT
Responsive Designwshobson/agents40k2 repos~498Automated safety check: PassMIT
Incident Responderdavila7/claude-code-templates33k7 repos~2.6kAutomated safety check: PassMIT
Responsive Imagesthedaviddias/Front-End-Checklist74k—~403Automated safety check: PassMIT
Performing Ransomware Responsemukul975/Anthropic-Cybersecurity-Skills34k—~2.9kAutomated safety check: PassApache-2.0

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Questions about Wage Garnishment Response

What does Wage Garnishment Response do?

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. Wage Garnishment Response is an agent skill from mohitagw15856/pm-claude-skills. 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.

When should I use Wage Garnishment Response?

Wage Garnishment Response fits situations like: asked theyre garnishing my wages; how do I stop wage garnishment; I got a garnishment notice; can they take my whole paycheck.

How do I install Wage Garnishment Response in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill wage-garnishment-response -a claude-code`. Or copy the skill folder (skills/wage-garnishment-response in mohitagw15856/pm-claude-skills) into .claude/skills/wage-garnishment-response in your project. Claude Code loads it when a task matches its description.

How do I install Wage Garnishment Response in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill wage-garnishment-response -a codex`. Or copy the skill folder (skills/wage-garnishment-response in mohitagw15856/pm-claude-skills) into .agents/skills/wage-garnishment-response in your project. Codex loads it when a task matches its description.

Can I use Wage Garnishment Response in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill wage-garnishment-response -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/wage-garnishment-response, .gemini/skills/wage-garnishment-response, .github/skills/wage-garnishment-response and .opencode/skills/wage-garnishment-response in your project.

What does Wage Garnishment Response need to run?

SKILL.md names no scripts, command-line tools or credentials: Wage Garnishment Response is instructions for the agent only.

Does Wage Garnishment Response access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Wage Garnishment Response safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Wage Garnishment Response use?

Wage Garnishment Response is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Wage Garnishment Response use?

About 1.2k tokens (SKILL.md is roughly 4.8k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Wage Garnishment Response?

Skills that share tags, products or a category with Wage Garnishment Response: Responsive Units (thedaviddias/Front-End-Checklist, 74k stars), Responsive Design (wshobson/agents, 40k stars), Incident Responder (davila7/claude-code-templates, 33k stars) and Responsive Images (thedaviddias/Front-End-Checklist, 74k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Wage Garnishment Response?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.