Short reply: No. A creditor ought to initially sue you in court docket and obtain a judgment against you before they could difficulty a garnishment to the lender or your employer. In cases like this, it makes sense to request the court docket to Allow you to make installment payments. https://bankruptcy-attorney-near88993.worldblogged.com/36085688/the-2-minute-rule-for-bankruptcy-copies-for-west-virginia