The creditor can file a request to have your employer to withhold part of your wages. Wages will be withheld until you pay the judgment in full.You may retain the lien release along with your certificate of title until the vehicle ownership changes or you apply for a clear title. The effect of this action will cause any State income tax refund otherwise due you to be intercepted and applied toward your indebtedness. If the creditor does not file suit within the time limit, then the court generally will not order you to pay the debt. Any person or business can be subject to garnishment. Creditors must ask the court to determine that these debts are excepted from discharge. Most forms used in the District Court are contained in this index. Certification instructions. You should retain a copy of the completed form for your records.