Yes. With the exception of the CRA and an assignment of wages with a credit union.  Generally, the creditor must file a lawsuit, obtain a judgement from the court, then apply for a separate garnishing order. If the creditor is filing for a debt owed, then they can receive a garnishing order before a judgement is made and at times even before the lawsuit is completed. This requires the creditor to fulfil the requirements correctly and completely when applying due to its impact on the debtor. If the creditor is not filing for a debt, they can only apply for a garnishing order after the judgement is obtained or the lawsuit is won. Debt in this instance can be understood as consumer debt, taxes and child support.