Can creditors garnish my wages?
A creditor must have a judgement from a lawsuit to garnish your wages. Legal action is expensive for both you and your creditors. Talk to your creditors and negotiate a reduced payment. If you do come to an agreement, make sure it is signed by both parties.
However, if you cannot reach an agreement eventually the creditor will sue you. If the court awards a judgement to a creditor, the creditor may decide to garnish your wages.
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