The McAllen Texas Writ of Garnishment is a legal procedure used to collect unpaid debts or judgments by seizing the assets of the debtor. It is a court order that allows a creditor to garnish a portion of the debtor's wages, bank accounts, or other property to satisfy the outstanding debt. In McAllen, Texas, there are two main types of Writs of Garnishment that may be utilized depending on the nature of the debt and the specific circumstances. These types include: 1. Wage Garnishment: This is the most common type of garnishment, where a portion of the debtor's wages is withheld by their employer and paid directly to the creditor. This type of garnishment typically continues until the debt is fully repaid or a court order terminates the garnishment. 2. Bank Account Garnishment: In cases where the debtor has funds in a bank account, a Writ of Garnishment can be issued to freeze the account and allow the creditor to collect the owed amount directly from the account balance. Once the garnishment order is in effect, the bank is required to hold the frozen funds until further instructions from the court. It is important to note that the McAllen Texas Writ of Garnishment follows specific legal procedures to protect the rights of both the debtor and the creditor. Before issuing a garnishment order, a creditor must obtain a judgment against the debtor by filing a lawsuit and winning the case. Additionally, the debtor has the right to contest the garnishment through legal means, such as proving exemption from garnishment due to low income or certain types of protected funds. In summary, the McAllen Texas Writ of Garnishment is a legal tool used by creditors to collect unpaid debts or judgments by seizing the debtor's wages or bank accounts. It consists of two main types: Wage Garnishment and Bank Account Garnishment. Proper legal procedures and the rights of both parties are followed throughout the garnishment process to ensure fair treatment and protect the debtor's rights.