"In most cases an unsecured creditor can garnish wages, but usually not without going through the process of suing you in small claims court (depends on the amount). They would then have to have received a court judgement, but even after all that, they are still only allowed to garnish a certain about from your wages. This may also vary by state, but most states do allow this. Visit this site
. for more info http://www.thefreelibrary.com/Can+a+creditor+garnish+your+wages%3F+The+dirty+little+secrets+you+were...-a0145681350This site offers legal advice on this topic, and many othershttp://www.avvo.com/legal-answers/can-creditor-s-garnish-my-wages-when-i-can-barely--12769.html"