A common tactic used by aggressive debt collectors is the threat of wage garnishment. If you’re already struggling financially, nothing is scarier than the prospect of having money taken out of your paycheck without permission. Collectors try to make it sound like this will happen on your very next payday if you don’t send a check immediately. This is, quite simply, false. The creditor first has to sue you, obtain a judgment, and then file for a garnishment action. If you’re willing to work with your creditors, wage garnishment can normally be avoided.