A stuck garbage disposal is a common case where a householder can safely take the first steps, and where the line between owner work and hired work becomes clear quickly. This piece does not teach the full repair. It sorts which steps belong to the homeowner, which belong to a licensed hand, and what your service paperwork may say about the difference.
Start with the power off
Before touching anything under the sink, turn the unit off at its wall switch and at the breaker that serves it, then confirm the unit is dead. Keep hands out of the chamber. Use a flashlight to look, never fingers. These are owner steps: they are safe, they need only tools most kitchens already hold, and they should be done the same way every time.
The owner steps
Many units have a reset button on the bottom of the housing. Press it once, wait, and try the switch again. If the unit still does not turn, many manufacturers' instructions describe a hex socket on the underside of the motor that can be turned by hand to free a jammed flywheel. Use only the tool the unit came with or one of the matching size, and work it back and forth to loosen the jam. Remove any visible debris with tongs. If the unit turns freely afterward, run cold water and test briefly. Those are the owner steps, and they end there.
Where the work goes to a licensed hand
Stop and call a licensed hand if the unit hums without turning after the owner steps, leaks from the body or the mounting, gives off a burning smell, shows scorched wiring, or trips its reset button repeatedly. Wiring inside the wall and any replacement of the motor are generally work for a licensed electrician or appliance technician, and local rules set exactly who may do which job. Check those rules before you start, not after.
What the paperwork may say
If the disposal is under a service contract, read the maintenance section before you open the unit. Some contracts describe owner upkeep, and some exclude damage from objects placed in the unit or from work done by someone other than the listed provider. Note any requirement to report a fault promptly, and keep a written note of the steps you took, in case a later repair call needs them. The published rules for a given state, including the regulator and the statute, are on that state's page on this site, which also says whether the state publishes a roster.