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The exact procedure varies by state. Here in California, the judgment creditor first has to get a Writ of Execution from the court clerk. You file and application for earnings withholding order and pay a fee to the local sheriff's department. The sheriff will then serve the order on the employer. If the employee does not object, the employer could start the garnishment as early as the next paycheck. You can get as much as 25% of the debtor's net pay.

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