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Prior to a debt collector garnishing your wages, they would first need to obtain a judgment against you. This is stated in the statute: 21-18-3.1. Garnishment of earnings prohibited prior to judgment. Garnishment of earnings may only be used following a final judgment in the principal action. If a judgment were to be obtained AND it was not being paid, then garnishment could be sought by the plaintiff. Of course, there are limitations to the amount they are able to obtain but it is possible, if they go through the legal process. Pleaselet me know if you have any follow up questions or need any clarification onsomething which I stated above. I want to make sure your experience with thesite was as pleasurable as possible and that you are satisfied with the help Iprovided.