Garnishment Terms

Sometimes it's good to have a list of the most common garnishment terms all in one place.

People:

            Debtor: The person who owes the money.

 

            Creditor: The person the Debtor owes money to.

 

            Garnishor: The person who issues the Writ of Garnishment (see below) on behalf of the Creditor. Sometimes it's an administrator at the courthouse, and sometimes it's a lawyer like me. We check over the paperwork to make sure it's correct before it gets sent to the Debtor and the Garnishee (see below).

 

            Garnishee: The employer (or sometimes bank) the Writ of Garnishment (see below) gets sent to. The Garnishee is responsible for taking the money out of the Debtor's wages (or sometimes their bank account) and sending it to the Creditor.

 

Documents:

            Writ of Garnishment: The document that tells the Garnishee that they must send money to the Creditor. This document tells the Garnishee how much the Debtor owes the Creditor, and how much of that money the Garnishee must send to the Creditor for the 90 days after they receive the Writ of Garnishment. It also lets the Garnishee know what their rights and responsibilities are in this situation. A Writ of Garnishment can be sent by the Garnishor to the Garnishee every 90 days.

 

            Judgment: The court papers that back up the Writ of Garnishment. A judgment shows how much money the Debtor owes the Creditor, including any fees caused because the Creditor had to go to court to get this document. The Judgment also says what the rate of interest on the debt will be.

 

            Debt Calculation: A document that shows all of the debt amounts, fees, and interest that the Debtor owes the Creditor at the moment the Writ of Garnishment was sent to the Garnishee. This amount will change as the interest rises over time and/or as the Garnishee sends the Creditor money from the Debtor.  

 

If you want any more garnishment-related terms defined or you'd like to look into having me sign garnishments for your company, please go to my contact page and send me a message.