Time to Garnishment The creditor first has to get permission from the courts to do so. It takes up to two years for the process. But it could take as little as six months In Texas they can't garnish your wages at all True, in Texas creditor's can not garnish your wages, but once the money is deposited in to your account, is not wages anymore and yes only after a judgment creditor's can freeze your bank accounts!
If you are being sued, contact an attorney and and get legal advice. Filing for Bankruptcy will stopped everything.
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