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If a judgment is entered against you, a debt collector will have stronger tools, like garnishment, to collect the debt. A judgment is an official result of a lawsuit in court. In debt collection lawsuits, the judge may award the creditor or debt collector a judgment against you.
In Ontario, the process involves filing a written request to your local Sheriff's office. This process can take 30 days or longer to complete, so initiating this process right after your bankruptcy is discharged can shorten the amount of time you have to wait until the writs are removed from your property.
The Process of Wage Garnishment in Ontario The wage garnishment process in Ontario commences when a creditor claims that a debtor has not paid their debt. The court then issues a judgment after reviewing the case. If the court rules in the creditor's favour, it will issue a garnishment order to the debtor's employer.
In Ontario, the process involves filing a written request to your local Sheriff's office. This process can take 30 days or longer to complete, so initiating this process right after your bankruptcy is discharged can shorten the amount of time you have to wait until the writs are removed from your property.
When a court issues a writ of execution, a sheriff, deputy sheriff, or a court official is usually charged with taking possession of any property that is owed to the plaintiff. If the property is money, the debtor's bank account may be frozen or the funds may be moved into a holding account.