What exactly is a garnishment? A garnishment is a means for a creditor that has a judgment against you to definitely gather the judgment if you don’t voluntarily spend it. a garnishment permits a creditor to just take cash from the work wages or your bank account to pay for the debt. A creditor will need to have a judgment it can get a garnishment against you before. There are two main fundamental limitations on the quantity creditors may take from your own wages. First, they can not simply simply take a lot more than 25percent of one’s take-home pay. 2nd, a creditor must make you with at the least $217.50 an or $870 a month in net (take-home) pay week. Consequently, if you should be working part-time at low wages, the creditor will never be in a position to garnish a complete 25%.