Termination of Garnishment:

Question: How can a paralegal in Ontario help me stop a small claims garnishment once the judgment has been fully paid?

Answer: If Freed Legal Services (Paralegal) serves you in Ontario, they can help you confirm the judgment is fully satisfied and prepare/oversee the required immediate paperwork to terminate the garnishment, including serving Notice of Termination of Garnishment (Form 20R) on the garnishee and on the court clerk, as required by Rules of the Small Claims Court, O. Reg. 258/98, Rule 20.08(20.2).  This helps prevent unnecessary overpayment and delays by ensuring the creditor tracks the balance owing and stops enforcement once the order is paid in full. For next steps, call (800) 716-1897 to book your free half-hour consultation and get practical guidance for your situation across Ontario.

Cessation of Garnishment Upon Satisfaction of Judgment

After a Creditor has received full satisfaction of the Judgment, the Creditor must, “immediately”, initiate termination of the garnishment proceedings by serving Notice of Termination of Garnishment (Form 20R) upon the Garnishee and on the Court Clerk.

The Creditor, for plain and obvious reasons of fairness, being to ensure avoidance of overpayment, is required keep careful watch upon the balance owing against the Judgment.  As above, when the Judgment is satisfied, the Creditor must "immediately" bring the garnishment to a stop.  In this regard, the Rules of the Small Claims Court, O.  Reg. 258/98, state:

Conclusion

The Creditor holds the duty to keep proper track of the balance due against the Judgment and to initiate the administrative process of ceasing the garnishment procedures.