Termination of Garnishment:

Question: How do I stop a small claims garnishment in Ontario after the judgment has been fully paid?

Answer: In Ontario, after the creditor receives full satisfaction of the small claims judgment that was being enforced through garnishment, the creditor must immediately serve a Notice of Termination of Garnishment (Form 20R) on the garnishee and the Small Claims Court clerk to end the garnishment process, per O. Reg. 258/98, Small Claims Court, Rule 20.08(20.2). This step helps prevent ongoing deductions and overpayment by ensuring the garnishment balance is no longer pursued once the judgment is paid in full. If you need help checking the status of your payment, calculating what remains owing, or understanding the next administrative steps, Civil Litigations Paralegal Services can assist paralegal support in Ontario; call (416) 229-1479 to discuss your situation.

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.