Wage garnishment happens when you refuse and ignore creditor’s requests to pay back the money they loaned to you. When money is loaned to you, you agree to pay it back. Within a specific time, period, or interest rates will apply. If you refuse to pay back the money, they will seek legal action and eventually get your employer involved. Once your employer is involved, then you will be notified that your wages will be garnished until the loaned money is paid off. Note: A creditor cannot just threaten to garnish anyone’s wages without begging legally allowed to. You have rights and you have to protect yourself by standing up for them if you have the facts to support you.