The most reliable way to find out who garnishes your wages is to look at the court order granting the garnishment, according to Nolo. The court should serve these to you or your employer in writing before taking any of your wages.
Most states provide online tools to help you find the judgment against you, according to MassLegal Services. The easiest way to look up the case, if you lost or never received the paperwork, is to use the case or reference number. If you do not have that information, you can often search using your name. States and counties that do not have online databases may require you to go to the courthouse or records office in person.
You can also ask your employer for information, as they should have received a copy of the court order, reports Nolo. As of 2015, some government agencies, such as the Internal Revenue Service, may not have to get a court order first. However, they still must notify your employer in writing before they can begin garnishing your wages, and your employer must present you with a copy of the wage levy notice. The U.S. Department of Education also does not need a court order to garnish the wages of people who default on federal student loans. However, they must notify you in writing at least 30 days prior to garnishing your wages.