Can creditors garnish my wages? A creditor must have a judgment from a lawsuit to garnish your wages Legal action is expensive for both you and your creditors Talk to your creditors and negotiate a reduced payment, if you do come to an agreement, make sure to sign by both parties However, if you cannot reach an agreement Eventually the creditor will sue you if the court awards a judgment to a creditor the creditor may decide to garnish your wages www.rumanek.com