A creditor cannot garnish anything without first obtaining a judgment in a court of competent jurisdiction. They must then follow the proper procedure. It is not an overnight process or a process that is going to happen without the debtor receiving notice of the proceedings. Even if a creditor does sue, it could be a long process. The debtor has the opportunity to present a defense and in some instances present their own counterclaims against the creditor. A creditor really does not want to sue. It is expensive and very time consuming.
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Average experience reflects the average number of years that the attorneys at this firm have been licensed to practice law. The experience is based on data from the respective state bar association, where this information is available.