Wage garnishment is a State Court Order issued to an employer which allows a creditor to have part of your income taken from your pay to satisfy a judgment for a debt. The creditor must have a Court ordered “judgment” to legally have your income taken by way of garnishment. This money is then sent to the Court for distribution to the creditor who has taken judgment against you. Upon filing Bankruptcy an immediate order is sent to terminate garnishment Orders. This means income can no longer be taken from your wages toward payment of the judgment. As part of the Bankruptcy process, steps can then be taken to eliminate the judgment altogether.