Legal Question in Real Estate Law in Georgia

You left out a great deal of needed information, but there can't be a garnishment until you first ignored or otherwise lost a lawsuit, and that means you probably have a lien on your home and also could lose it to HOA foreclosure. You had a legal emergency many months ago and should have seen a lawyer a long time ago. However you may have some legal steps remaining.

In some cases, a bankruptcy may be a way to stop a garnishment. Be aware that longer term, regardless of bankruptcy, the failure to pay HOA fees usually will cost you your home. Generally, if there is a judgment, nothing other than paying or bankruptcy can stop a garnishment. (There is no way to tell you without more information if a bankruptcy is an available option or an appropriate one).

So either pay up with the HOA, or see a lawyer Monday morning and be prepared to pay the lawyer for help and advice. Since we do not have your numbers and details, there is no way to tell you which options may be the best for you.