Ways & How

how to garnish wages

how to garnish wages

A part of your day-to-day expenses are necessity bills, daily family groceries, gas for your cars and other payables. During these times of heightened financial crisis, it is not surprising that you may rely on credit cards to handle these bills and payments. There are a lot of positive and negative side effects that you have to be responsible for when using credit cards. It can assist you in paying for certain monthly bills; however, it can also lead to the destruction of your financial capabilities if you are not careful when using it. You have to be responsible when paying for your credit card debt so that you will avoid being garnished off from the wage you receive each month. The bank reserves the right to take this legal action against you when all efforts have been exerted to make you pay your debts. They have full knowledge on how to garnish wages from clients who do not religiously pay their monthly debts. It is your responsibility, as the client, to pay for the entire balance and not just the minimum payment required. By doing this, you will avoid accumulating more debt as the balance from the previous month will be added up to the next month’s bill.

You have to be familiar with how the banks or creditors garnish wages from your income when you are not able to pay your debt at the appointed time. Here are the processes of salary garnishing that the banks follow:

  1. Check all necessary requirements. Before a bank or your creditor resorts to the last option of requesting the court to issue a statement which garnishes your monthly income, representatives of the bank will check all of the requirements for you to qualify for a garnish.

    The requirements for you to qualify for a statement of wage garnishment include you, as their client, are receiving a monthly wage which should not be above poverty line and you do not have any other garnishment in effect, except when you are supporting a child or your spouse. The garnishment, however, may be contested against the court. In this case, the bank will not be able to garnish wages against you. Other instances that may prevent garnishing of wages are when you quit your job or file bankruptcy. The bank also schedules the hearing date and time to hear your case; this information will be sent to you.

  2. Gather evidence and prepare for the case. The bank/creditors will now gather all evidence they can use against you as they file their garnishment case with the court. Some of these evidences might be your statement of accounts, which has been accumulated overtime, including the partial payments made and the payment date.

  3. Appear during the hearing. To testify for yourself against the bank’s garnishment of wages, you need to appear before the court during the appointed time of trial. Present all the accounts that will invalidate their claim against you and be prepared to answer all questions that the judge may ask of you.

You will now have to wait for the judge’s decision upon your case. However, if the bank wins the case over you, they will send your employer a statement so that the complete payment for whatever you owe will be completed. Payment of debts will keep you away from the process on how to garnish wages and keep your finances intact.


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