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• In three situations wages may be garnished before you sue:
To place a lien on a house or empty a bank account, almost all creditors must first sue, get a judgment and then use a law enforcement officer. A few creditors, such as an unpaid contractor who worked on a house, can put a lien on a home without suing. And again, the IRS is an exception it can place a lien or empty a bank account without suing first.
A tax refund can never be taken unless the Treasury Department receives such a request from the IRS, the Department of Education or a child support collection agency.
This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified creditors rights lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local creditors rights attorney to discuss your specific legal situation.