Nationwide Process Service for Writs of Garnishment
Get fast, legally compliant service of process to freeze assets and secure your judgment efficiently.
A Writ of Garnishment is a specialized court order used by a creditor to legally seize money, wages, or property belonging to a debtor. Unlike general lawsuits, this writ is not directed at the debtor. Instead, it is directed at a third party who holds the debtor’s assets, known legally as the garnishee.
The Three Core Parties Involved
The Creditor is the individual or business entity owed money after winning a judgment.
The Debtor is the individual or business entity who owes the debt and faces asset seizure.
The Garnishee is the neutral third party holding the assets, usually a bank or an employer.
Common Targets of a Garnishment Writ
Financial Institutions are targeted to freeze and seize funds inside checking, savings, or investment accounts.
Employers are served to intercept a legally mandated percentage of the debtor's disposable wages.
Accounts Receivable are intercepted to divert vendor payments owed to a debtor business directly to the creditor.
The Process Service Requirement
Serving a Writ of Garnishment requires strict adherence to statutory deadlines. Failing to follow the precise order of service can completely invalidate the garnishment effort.
Step 1: Formal Process Service on the Garnishee
Service must be physically executed by a licensed or court appointed private process server.
The Process Server physically hands the writ to the garnishee's registered agent, corporate officer, or human resources manager.
The moment the garnishee is served, the assets are legally frozen or attached, and the garnishee must submit a formal answer to the court.
Step 2: Mandatory Statutory Notice to the Debtor
Once the garnishee is served, the creditor has a tight window, often three to five business days, to notify the debtor.
The creditor typically sends this notice via first class or certified mail to the debtor’s last known address.
The debtor must receive a copy of the writ and a Claim of Exemption Form to argue that certain funds are legally exempt from seizure.
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