Sample Letter for Defense if Wages Have Been Garnished

Your Name
Address
City, Province
Postal Code

Date


Creditor Name
Address
City, Province
Postal Code

Dear:

Here's the Situation:

I did not file a defence at the time of the judgement  because I didn't know there were legal proceedings taking place. I wasn't served with the court documents which would have notified me that an action was taking place against me.

I agree with or dispute the plaintiff's claim and here is what I propose:

I have included my monthly income, living expenses, and debt statements showing that I'm only able to pay the proposed amount.

Here's the Plan:

I propose to make the following payments commencing on:  date-- include exact date payments will start in the amount of $$$$ and will continue to make monthly (weekly) payments until date when debt will be paid in full.

Thanking you in advance for your favourable reply.

Sincerely

Your Name