Ok they get a Judgement against you what comes next? Do they try to negotiate, is there another court procedure to determine how much is garnished? Do they just garnish, or freeze bank account? Are payments established at judgement court date? Thanks for info.

Hello again, r:

Negotiate?? You got to be kiddin. Negotiatiation is what you do BEFORE they get a judgment. Once they have a judgment, they don't need to talk to you at all, because with a judgment in hand, they have a free pass to your pay check and your bank account, and that's where they'll go.

excon

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Originally Posted by excon

Hello again, r:

Negotiate????? You gotta be kiddin. Negotiatiation is what you do BEFORE they get a judgment. Once they have a judgment, they don't need to talk to you at all, because with a judgment in hand, they have a free pass to your pay check and your bank account, and that's where they'll go.

excon

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Exactly that's what I want to know. Do they go for garnishment first, bank second and lien third? And if so how long does it take? Do they automatically take 25% of paycheck and if so is that net or gross? Is there a way to get them to take less per check? I thought I read elsewhere on here that it is harder for the bank account unless info is given to court. Thanks again for help.

Hello again, r:

I don't know which they'll do first. Unless you live in Texas or Florida, they'll take most of your paycheck and I'm sure they'll hit your bank.

excon

What they do depends on how much you owe and what assets you have. So there is no way we can answer specifically. Generally they will try to go after bank accounts or other cash assets as that can mean a more quick payback. If they can't find the bank accounts or there is little money there, they will go after your salary. If they do, they will go for the max allowed by law.