Judgment against me for a debt in Oregon: what to do

Checked against official sources: Oct 25, 2026

In Oregon:

Claim an exemption after a garnishment or bank levy
File a Challenge to Garnishment (the form in ORS 18.850, sent to you with the writ) with the court named in the writ, in person or by first-class mail, and send a copy to the garnishor.
How much of your pay can be taken
75% of your disposable earnings are protected, and you always keep at least $400 a week for wages paid July 1, 2026 to June 30, 2027 ($832 for two weeks, $912 for a half month, $1,792 for a month)…
Do this now
Get a copy of the judgment from the court clerk, and note the date, the amount, any interest and costs, and the creditor's lawyer.

Make this letter for Oregon →

General legal information, not legal advice. RobinClaim is not a law firm.

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Choose your state and answer 3 quick questions. The plan below changes as you answer: steps that don't fit your answers are hidden, and your state's deadlines appear. Your answers stay in the page address.

Your plan for Oregon

Do now

  1. Get a copy of the judgment from the court clerk, and note the date, the amount, any interest and costs, and the creditor's lawyer.

    Why: These show how much you owe now and when each deadline starts.

  2. If you didn't answer because you never got the papers or had a good reason, see the default judgment plan: there is a short deadline to ask the court to set it aside.

    Why: If the judgment is set aside, the case reopens and you can defend it.

  3. If you went to court and lost, ask the clerk right away about the deadline to appeal or to ask for a new trial.

    Why: These deadlines are short and count from the date of the judgment.

  4. If you agreed to the judgment, read the agreement again for the payment terms and what happens if a payment is late.

    Why: A judgment, even an agreed one, is a court order the creditor can enforce under its terms.

  5. Check your state's deadline to claim an exemption, and the deadline on the garnishment or levy notice, and mark it.

    Claim an exemption after a garnishment or bank levy

    Oregon: File a Challenge to Garnishment (the form in ORS 18.850, sent to you with the writ) with the court named in the writ, in person or by first-class mail, and send a copy…

    Why: If you miss it, money the law protects can be paid to the creditor.

This week

  1. Read your state's rules below on wage garnishment, bank levies and exemptions.

    How much of your pay can be taken

    Oregon: 75% of your disposable earnings are protected, and you always keep at least $400 a week for wages paid July 1, 2026 to June 30, 2027 ($832 for two weeks, $912 for a half…

    Why: For an ordinary debt, federal law lets a creditor take at most 25% of your take-home pay, or the part above 30 times the federal minimum wage if that is less, and many states protect more.

  2. File the claim of exemption with the court or officer named on the garnishment papers; see the wage garnishment plan.

    Why: You can ask to keep pay you need to support yourself and your family.

  3. File the claim of exemption for the money in the frozen account that the law protects; see the bank levy plan.

    Why: Exempt money must be released, but often only after you claim it.

  4. Tell your bank and the court that the account receives federal benefits. The bank must protect two months of directly deposited federal benefits automatically, and you can claim other protected benefit money.

    Why: Federal rules make banks protect up to two months of directly deposited federal benefits, and Social Security can't be garnished by a private creditor.

  5. If you can pay something, contact the creditor's lawyer about a payment plan or a lump-sum settlement, and get the agreement in writing before you pay.

    Why: A written agreement can stop or avoid a garnishment and proves what you agreed to.

If it's not resolved

  1. Keep records of every payment and every amount taken, and ask for a written payoff amount.

    Why: So you know when the judgment is paid and collection must stop.

  2. Note how long the judgment lasts in your state and whether it can be renewed.

    Oregon: Judgment remedies expire 10 years after the judgment is entered.

    Why: A judgment may not go away on its own; creditors can often renew it.

  3. When the judgment is paid in full, ask the creditor's lawyer for written proof and ask the clerk how the court records that the judgment is paid.

    Why: The court record should show the debt is paid, so it doesn't come back later.

  4. If you have several judgments or can't cover basic needs, ask legal aid about bankruptcy.

    Why: A bankruptcy filing stops most garnishments and collection while the case is open.

Deadlines

Claim an exemption after a garnishment or bank levy

General rule: see state; the deadline is also printed on the notice

In Oregon:

File a Challenge to Garnishment (the form in ORS 18.850, sent to you with the writ) with the court named in the writ, in person or by first-class mail, and send a copy to the garnishor. Deadline: within 30 days after you get a copy of the writ, or within 120 days for an exemption claimed for wages from the employer being garnished. There is no court fee to file a challenge. The court then holds a quick hearing, which can be by phone or video. A claim of exemption on execution is decided at a quick hearing in the court that issued it.

Law: ORS 18.700(1)-(2), (4); ORS 18.710; ORS 18.322 · checked Oct 2026 · Official source · From Debt Suit Map: Oregon

How much of your pay can be taken

General rule: Federal: lesser of 25% of disposable earnings or the amount above 30 x federal minimum wage per week; state may protect more

In Oregon:

75% of your disposable earnings are protected, and you always keep at least $400 a week for wages paid July 1, 2026 to June 30, 2027 ($832 for two weeks, $912 for a half month, $1,792 for a month) (ORS 18.385(2)).

Law: ORS 18.700(1)-(2), (4); ORS 18.710; ORS 18.322 · checked Oct 2026 · Official source · From Debt Suit Map: Oregon

Freezing a bank account

General rule: see state; two months of directly deposited federal benefits are protected automatically

In Oregon:

When a bank gets a garnishment, it must leave you full access to a base amount in all your accounts combined, starting at $2,500 and adjusted each July 1 for inflation; exempt money such as wages (up to $7,500) and federal benefits stays protected if it can be identified (ORS 18.785(2)(j); ORS 18.348).

Law: ORS 18.700(1)-(2), (4); ORS 18.710; ORS 18.322 · checked Oct 2026 · Official source · From Debt Suit Map: Oregon

How long the judgment lasts

General rule: see state

In Oregon:

Judgment remedies expire 10 years after the judgment is entered. Before they expire, the creditor can extend them once by filing a certificate of extension; the extended remedies expire 10 years after the certificate is filed.

Law: ORS 82.010(2); ORS 18.180(3); ORS 18.182(1), (5) · checked Oct 2026 · Official source · From Debt Suit Map: Oregon

Interest on the judgment

General rule: see state

In Oregon:

9% a year simple interest from the date of judgment, unless the contract bears more than 9% (then the contract rate). Interest also runs on attorney fees and costs in the judgment.

Law: ORS 82.010(2); ORS 18.180(3); ORS 18.182(1), (5) · checked Oct 2026 · Official source · From Debt Suit Map: Oregon

Key facts for Oregon

Debt Suit Map

Time to answer a debt lawsuit
30 days
Shortest time to ask to cancel a default judgment
1 year
Official answer form
Yes, the court has one
How long a judgment lasts
10 years

Debt Suit Map: Oregon · checked Oct 2026

Debt Collector Map

Time limit to sue on a debt
6 years
Wage garnishment limit
Up to 25%
State license for collectors
Yes

Debt Collector Map: Oregon · checked Oct 2026

Documents to gather

  • A copy of the judgment
  • Garnishment or bank levy notices and any exemption claim form
  • Recent pay stubs
  • Bank statements showing federal benefit deposits
  • Proof of household expenses (rent, utilities, child care)
  • Records of every payment you made

Where to go

Costs

Filing a claim of exemption is often free; ask the clerk. While the judgment is unpaid, interest and collection costs can keep adding up, at the rate your state sets.

Talk to a lawyer if

  • You never knew about the lawsuit
  • More than the legal limit is being taken
  • You can't pay for rent or food
  • You have more than one judgment
  • The creditor is trying to take your home or car

Free help

Free civil legal aid for people with low income: find your local program through the Legal Services Corporation (lsc.gov/about-lsc/what-legal-aid/get-legal-help) or LawHelp.org (lawhelp.org). Many legal aid offices handle debt collection lawsuits, default judgments, garnishment and bankruptcy. Servicemembers can use their base legal (JAG) office. Some courts have free volunteer-lawyer programs or self-help centers for debt cases; ask the clerk.

Guides for your state

Guides for every state

Questions

Claim an exemption after a garnishment or bank levy in Oregon: what is the rule?

File a Challenge to Garnishment (the form in ORS 18.850, sent to you with the writ) with the court named in the writ, in person or by first-class mail, and send a copy to the garnishor. Deadline: within 30 days after you get a copy of the writ, or within 120 days for an exemption claimed for wages from the employer being garnished. There is no court fee to file a challenge. The court then holds a quick hearing, which can be by phone or video. A claim of exemption on execution is decided at a quick hearing in the court that issued it. (ORS 18.700(1)-(2), (4); ORS 18.710; ORS 18.322)

How much of your pay can be taken in Oregon: what is the rule?

75% of your disposable earnings are protected, and you always keep at least $400 a week for wages paid July 1, 2026 to June 30, 2027 ($832 for two weeks, $912 for a half month, $1,792 for a month) (ORS 18.385(2)). (ORS 18.700(1)-(2), (4); ORS 18.710; ORS 18.322)

Freezing a bank account in Oregon: what is the rule?

When a bank gets a garnishment, it must leave you full access to a base amount in all your accounts combined, starting at $2,500 and adjusted each July 1 for inflation; exempt money such as wages (up to $7,500) and federal benefits stays protected if it can be identified (ORS 18.785(2)(j); ORS 18.348). (ORS 18.700(1)-(2), (4); ORS 18.710; ORS 18.322)

How long the judgment lasts in Oregon: what is the rule?

Judgment remedies expire 10 years after the judgment is entered. Before they expire, the creditor can extend them once by filing a certificate of extension; the extended remedies expire 10 years after the certificate is filed. (ORS 82.010(2); ORS 18.180(3); ORS 18.182(1), (5))

Interest on the judgment in Oregon: what is the rule?

9% a year simple interest from the date of judgment, unless the contract bears more than 9% (then the contract rate). Interest also runs on attorney fees and costs in the judgment. (ORS 82.010(2); ORS 18.180(3); ORS 18.182(1), (5))

When should I talk to a lawyer?

You never knew about the lawsuit; More than the legal limit is being taken; You can't pay for rent or food; You have more than one judgment; The creditor is trying to take your home or car.

How much does it cost?

Filing a claim of exemption is often free; ask the clerk. While the judgment is unpaid, interest and collection costs can keep adding up, at the rate your state sets.

Plans by state

Open the plan with one state's rules filled in:

Sources

Plan checked Oct 2026. Independently fact-checked 2026-10-25.

This plan is general legal information, not legal advice. RobinClaim is not a law firm. Laws and deadlines change and have exceptions: check with the official source or a lawyer or legal aid office about your own case. How we research.