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Garnishment

Garnishment is a legal process in the United States used by some creditors to collect on overdue debt. A debtor who is employed may have wages garnished, and creditors may also seek garnishments against bank accounts or other liquid assets. For debtors who are employed, garnishment reduces their wages by a certain percentage until the debt is fully paid (or satisfied). The employer in such cases (the garnishee) is ordered by a court to take a portion of the employee’s wages and send it to the creditor instead. This happens without notification to the employee, who typically first learns of the garnishment from the employer. About 1 in 10 workers in the United States will have their wages garnished at some point in their lives. ...

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