Two Paths to Collection
Wage garnishment and bank levies are the two most common judgment enforcement mechanisms. Each has distinct advantages depending on the debtor's situation — whether they're employed, hold significant bank balances, or have other attachable assets.
Understanding both methods helps judgment creditors choose the most effective enforcement strategy, or pursue both simultaneously for maximum recovery.
Wage Garnishment Benefits
Wage garnishment creates a reliable, ongoing payment stream deducted directly from the debtor's paycheck. Once established, it continues automatically until the judgment is satisfied. It's most effective for employed debtors with steady income.
Our employment search identifies the debtor's current employer, providing the information needed to file garnishment paperwork.
Bank Levy Advantages
Bank levies seize funds directly from bank accounts, potentially providing larger, faster lump-sum recoveries. They're particularly effective for self-employed debtors or those who maintain significant account balances.
Our bank account search identifies which financial institutions hold the debtor's accounts, enabling targeted levy execution.
| Feature | Wage Garnishment | Bank Levy |
|---|---|---|
| Recovery Type | Ongoing paycheck deductions | Lump sum seizure |
| Requires | Current employer info | Bank account info |
| Speed | Steady over time | Immediate (if funds available) |
| Best For | Employed W-2 workers | Self-employed, high-balance accounts |
| Evasion Risk | Low (employer must comply) | Higher (can move funds) |
| Search Needed | Employment Search | Bank Account Search |