What is garnishment?

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Garnishment is specifically defined as a legal process where a portion of a debtor's earnings are withheld by an employer for the payment of a debt, such as to satisfy a civil judgment. This process allows creditors to collect amounts owed directly from an individual's wages before the debtor receives their paycheck. It is an effective means for creditors to ensure they receive payments that could otherwise go unpaid due to a debtor's unwillingness or inability to pay.

The other responses misrepresent the concept of garnishment. An appeal process is a legal avenue for reviewing a court's decision, while the termination of a contract involves officially ending an agreement between parties. The right to make a claim on someone's property refers to securing an interest in that property, but does not specifically pertain to the withholding of wages. Thus, the correct definition of garnishment aligns with the option regarding the withholding of wages to satisfy a civil judgment.

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