If you don’t pay a debt, a creditor or its debt collector can sue you to collect. If they win, the court will issue a judgment against you. The judgment states the amount of money you owe, and allows the creditor or debt collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer is ordered to withhold 20-25% of your paycheck to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a “plaintiff Claim”. If you do, you lose the opportunity to fight a wage garnishment.