For a debtor's wage to be garnished, a creditor must typically obtain a court order proving that the debtor owes money and has defaulted on payment. ... Because garnishments are usually the last resort to collect debts and show a debtor's unfavorable repayment history, they can harm an individual's credit rating.

What is the purpose of wage garnishment?

A wage garnishment is legal action taken to collect money on a debt. It lets a creditor, through the use of a court order, take a part of your pay to put towards your debt with them.

What happens when a garnishment is paid?

2)What Happens When the Wage Garnishment is Paid? The wage garnishment continues until the debt is payable in full. Once the debt is paid, the creditor should notify the employer to stop deductions for the debt. It is difficult to stop a wage garnishment after it begins.