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Start a garnishment by filing a Request and Writ for Garnishment with the court that entered the judgment. The writ is a court order. It tells the garnishee to give you the money it holds for the debtor (like money in a bank account) or would have paid to the debtor (like a paycheck).
In most cases, a creditor can't garnish your wages without first getting a money judgment from a court. For instance, if you're behind on credit card payments or owe a doctor's bill, those creditors can't garnish your wages unless they sue you and get a judgment.
When a person owes a debt and is in collections, the creditor may go to court to get a judgment against that person. That judgment can then be used to garnish the person's bank account. If their debt is for more than what's in their account, then the person's whole account can be frozen.
You can use the Do-It-Yourself Objection to Garnishment tool if you have a reason to object to the garnishment. There is no cost to file an objection to a garnishment. You must file your objection with the court within 14 days of getting the notice of garnishment to stop the garnishment.
A creditor can garnish whichever is less: up to 25% of your disposable earnings or the amount of your disposable earnings that's more than 30 times the federal minimum wage (currently $217.50).
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How to Serve a Garnishment. Obtain a judgment and appropriate Garnishment form against the defendant from a Michigan Court. For Income Tax Refunds or Credits: Form MC52, Request and Writ for Garnishment (Income Tax Refund and/or Credit). This allows for a one-time intercept of an Income Tax Refund or Credit.
Garnishment is a legal process that lets a creditor take your money or property to pay a debt you owe. Creditors may garnish your money or property only after they have sued you and obtained a court judgment.
It is valid for 91 days or until the judgment, interest and costs are paid off, whichever occurs first. As such, the garnishment will continue each pay period for the 91 days or until the debt is paid off.
GENERAL INFORMATION: Bring the completed original garnishment, appropriate number of copies and fees to Court for issuance. The Clerk will issue the garnishment, you will pay to Court the issuance fee and then you take the garnishment to Sheriff, private process server or Post Office for delivery of the garnishment.
Michigan's wage garnishment laws are generally the same as federal wage garnishment laws, with a few exceptions. The creditor will continue to garnish your wages until the debt is paid off, or you take some measure to stop the garnishment, such as claiming an exemption with the court.

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