A garnishment is a common action used by creditors who have no other legal options in collecting money you owe. The company will go to court, show what you owe, and ask for a wage garnishment. Usually, this involves getting your wages garnished until the debt is paid. If you have no income and few if any assets, you rarely have to worry about garnishment. If on the other hand you do have a job, these wages can be taken. There are ways to protect yourself, and we’ll be going over them.