ONLY $675 ATTORNEY FEES FOR A ST LOUIS CHAPTER 7
If you are sued by a creditor, and that creditor receives a judgement in its favor, it may execute on that judgement by garnishing up to 25% of your net earnings. But again, the only way that a garnishment may take place is if the creditor first receives a judgment. A fuller description is provided below:
When you stop paying on a debt (like a credit cards), then the eventually the creditor will sue you in state court for breach of contract (in other words, the creditor will be arguing that you entered into a contract to receive money by way of a line of creditor, but you failed to make timely payments on the debt). The first step in the process is getting you served. This can be a process server (a private individual or company that specializes in such things), or a deputy sheriff of the county in which you live.