Let me make it clear about Garnishment and Set-offs Overview for the legislation Garnishment is just a statutory treatment governed by part one of the Court purchase Enforcement Act. It permits a creditor to get a court purchase to gain access to bad debts to a debtor by some other person (that is, an authorized). The absolute most money that is common” (rerouted up to a creditor) are wages and bank reports. As an example, assume a company (the party that is third owes wages to a worker (the debtor).