Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to stop a garnishment in virginia [title] Understand who can garnish your wages. [step] To garnish your wages, creditors must first get a judgment from the court. Virginia law allows some people to garnish your wages without a judgment first.

Ending1: [title] Dispute some of the liens in the past. [step] If you've had an garnishment meant to satisfy a creditor, then you could try to flag the garnishment for free and a fair fine. Ending2: However, other times, creditors may garnish your wages before your notice. [substeps] Essentially, you can garnish your wages and then have it garnished as a garnishment. Ending3: Creditors don't garnish this judgment until after they've received a judgment from the court. [substeps] The judgment can be garnished before the garnishment, or you can garnish your wages even after you make at least 90 days of service, which is six years. Ending4: Your wages can be garnished without a judgment for the following debts : [substeps] Unpaid income taxes court-ordered child support owed child support (" arrears ") defaulted student loans [title] Identify exemptions. [step] Not all of your income can be garnished.

Answer format: ending1/ending2/ending3/ending4