Wage Garnishment and Bank Levy are two commonly used and powerful collection tools. Once a creditor (debt collector) has a judgment, they can take steps they consider necessary and appropriate to collect on that judgment.
Wage garnishment occurs when a creditor gets the judgment and notifies your employer, ideally through the local sheriff.
They may approach the sheriff’s department with a valid judgment order called an “Earnings Withholding Order.”
To settle this debt, your employer must deduct up to 25% of the net income on every paycheck. The funds are sent from the employer to the sheriff’s department and finally to the creditor.