The Austin Texas Writ of Garnishment is a legal process that allows a creditor to collect debt from a debtor by seizing a portion of their wages or assets. It is a court order obtained by a creditor to enforce a judgment or collect on a debt owed by a debtor. The Writ of Garnishment can be issued by a court after a judgment has been entered against the debtor. It enables the creditor to reach the debtor's wages, bank accounts, or other types of assets to recover the owed money. The garnishment process typically involves notifying the debtor's employer or financial institution, who then holds back a portion of the debtor's income or freezes their accounts until the debt is satisfied. There are two main types of garnishment in Austin, Texas: 1. Wage Garnishment: This type of garnishment allows a creditor to collect a portion of the debtor's wages directly from their employer. The amount that can be garnished is usually limited to a certain percentage of the debtor's disposable income, which is determined by state and federal laws. The employer is required to withhold the specified amount and send it to the creditor until the debt is paid off. 2. Bank Account Garnishment: In cases where the debtor has funds in a bank account, the creditor can obtain a Writ of Garnishment to freeze the account and seize the funds. The frozen funds are then used to repay the debt owed. It is important to note that certain types of income, such as Social Security benefits or child support payments, may be exempt from bank account garnishment. In summary, the Austin Texas Writ of Garnishment is a legal tool used by creditors to collect debts from debtors. It can be issued by a court and allows the seizure of wages or assets to satisfy the owed money. The two main types of garnishment in Austin are wage garnishment, which targets a portion of the debtor's wages, and bank account garnishment, which freezes the debtor's funds held in a bank account.