| Many people stick their heads in the sand. They can't afford to pay so they ignore the correspondence from the creditor. More ofthen than not, judgements are obtained by default because the debtor ignores the summons and/or the creditor fudges the service.
Other times, judgements were obtained when the debtor was judgement proof having no assets or income. Time passes and the debtor gets back on their feet forgetting about the judgement. The who continually monitors the debtor through a variety of means, learns they got a job or finds out they remarried and opened a joint account or a variety of other things. So they dust off the judgement and go get a garnishment order.
Once the judgement is obtained, no further warning is sent prior to the seizure of assets. There is no hearing involved in getting a garnishment order. | 
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