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Garnishment is a legal process that instructs a third party, such as an employer or bank, to deduct funds directly from an individual to satisfy debt they owe to a creditor. Creditors may obtain a court order directing the third party to take payments from the debtor's wage or bank account to pay off debts, such as monetary fines, unpaid taxes, defaulted student loans, or child support payments. Statutes regulate garnishment and include exemptions to ensure the debtor retains a means of support.


A guarantor is a person who agrees to be held responsible for paying another individual's debt should the borrower fail to do so. They act as a cosigner on a loan agreement and pledge their own assets if the original debtor defaults on their loan obligation. Also known as a surety, a guarantor may also certify the true likeness of another individual when they apply for a product or service


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