It varies. Sometimes they never find a bank account or an employer to garnish. If you have made payments to them by check or an ach payment, you can assume they will garnish that account quickly. If your current employer is listed on your credit report, they will try and garnish it quickly. They bring a separate action always to garnish. The venue may be a different county than the original suit. Sometimes you can still strike a decent deal even post judgment. Feel free to call if you want to discuss. Good luck.
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First of all if you are in this situation see a lawyer yesterday! Since that's impossible, devote tomorrow to the task.
You have more options and protection the day before a judgment than the day after. Often you'll have ways, such as bankruptcy, to wipe out the debt and protect assets and wages. Sometimes there may be other choices to consider, including cutting a deal.
Garnishment is a separate proceeding. In theory, creditors can do it virtually right away. In practice there will be some gap of time. Whether that is days, weeks, months or longer depends on the creditor and what information they have on you. It is never a good strategy to wait until after the fact.
Feel free to call me at 404-768-3509 if you want to be proactive.
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Mr. Feagle and Mr. Ashman both make valid points. You are at risk immediately. I would that even if the creditor does not find a bank account or other assets today, this outstanding judgment could bite you years from now. I recently spoke to a gentleman against whom a judgment was rendered more than 10 years ago but never collected upon. The creditor renewed the judgment after 7 years and now, 10 + years later, a debt buyer found the defendant in a far away county at a new job. Do not ignore judgments and don't assume that because nothing happens right away that you are safe.
I agree with Jonathan. This problem won't go away by itself. If a garnishment starts, they can take 25 percent of your net income in Georgia.
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