Rule 4.2 indicates the availability of trustee process as a means of commencing a lawsuit and of securing any potential judgment. The law protects certain income and property from creditors.If a creditor wins a case against you in court, you are responsible for the debt. Covers everything you need to know about being sued for debts, with all the steps in the process. To get a judgment against you, a creditor, debt buyer, or debt collector must file a lawsuit against you in court and serve you with notice. You can't pay bills with a judgment: How to turn a court victory into a judgment lien, and use it to collect from your customer's property. This howto article answers common questions about going to small claims court for a debt collection case. The garnishment process generally starts after a creditor gets a judgment in court against a debtor. The judgment creditor does now have the "aide of the court" and the ability to use various judgment enforcement techniques such as attachments and garnishments. In order to get paid on a money judgment you first need to figure out what assets a judgment debtor has.