Are they able to garnish wages; and if so, how do they determine how much?
A judgment is a lien against your house, and it can also be enforced a number of other ways. They can't garnish your wages (i.e. in the hands of your employer) in PA, but once you put your wages into a bank account they can garnish your bank account. They can also seize personal property in your home, but they must follow a strict set of procedures to do so.
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If you are married and the house is owned by both you and your wife, then they probably cannot put a lien on your home if the judgment was against you, and not against both you and your wife.
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I believe that they can once they get a judgment and then have it attach to any and all real property in your name. As far as a wage garnishment, I do not believe that can be done in PA, but they can sieze bank accounts in our name. Please contact an attorney in your jurisdiction for assistance.
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If the judgment is against you only and you own your home with your wife, they cannot attach the judgment to your house. However, you don't want a judgment out there, if you can avoid it. Best to try to deal with it now.
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