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NFORMATION ARE INDICATED BELOW PRINCIPAL OFFICE ADDRESS : 1445 WOOD-

Wage Garnishment Procedure

After the request is filed, the court clerk or a judge signs the Request and it becomes a Writ of Garnish-
ment.  The Writ of Garnishment orders the garnishee to hold any property (typically wages) of the
debtor that the garnishee has at the time the Writ is filed.

The creditor must pay court fees to file the Request for Garnishment on Wages and may also incur fees
to serve the garnishee with the Writ of Garnishment. The creditor must serve the Writ of Garnishment
on the garnishee via certified mail, restricted delivery, private process, or sheriff/constable.

For more information on service of process see Frequently Asked Questions about “Service.”

Interest also grows on most judgments that a debtor owes a creditor, and court fees and costs may be
added to the judgment. It’s a good idea for garnishees to communicate with the creditor and the debtor
to make sure the right amount of money is paid to the creditor.

Read the Law: Md. Code, Commercial Law §15-602

The garnishee must file an answer to the Writ within 30 days of being served. In it, the garnishee must
indicate if the debtor is employed, his or her rate of pay, and any existing wage garnishments.

If the garnishee does not respond to the Writ of Garnishment, the garnishee may be held in contempt of
court and the creditor may receive a default judgment against the garnishee.  

Read the rule: Maryland Rule 3-646

After the Writ is served on the garnishee, the garnishee must determine the amount of the debtor’s
“garnishable wages” for each pay period and must withhold wages as directed by the Writ until the
judgment is satisfied, or until the court orders the garnishee to stop withholding. The garnishee does
this by reporting and distributing to the creditor, or the creditor’s attorney, the total amount of wages
withheld within 15 days after the close of the debtor’s last pay period. 

If the garnishee receives another garnishment, it must follow the same procedure, but, it should not pay
a subsequent creditor until the first garnishment is paid in full. Once the first garnishment is completely
paid, the next one will go into effect. Thus, if there are multiple garnishments, then the first one must be
satisfied in full before any later garnishments are paid.  

Read the law: Md. Code, Commercial Law § 15-603

Creditors who receive wage garnishments from a garnishee, must first apply payments to accrued in-
terest on the judgment, then against the principal amount of the judgment, and lastly against attorney’s
fees and court costs assessed against the debtor.  The garnishee must inform the debtor each pay pe-
riod of the amount withheld and the method used to determine the amount.  This information can be
provided on the pay stub.

Within 15 days after the end of each month that the creditor receives payment from the garnishee, the
creditor must mail the garnishee and the debtor a statement listing the payments that it received and
how it applied those payments to the judgment’s principal, costs, interest, and fees. This form is not
filed with the court, but the creditor must keep a copy of each statement until 90 days after the garnish-
ment terminates. Any party, or the court, may ask to look these statements. If you are not sure how
much money the debtor still owes, ask the creditor for a copy of this statement.  

Read the rule: Maryland Rule 3-646

NON-NEGOTIABLE
John: of the family Doe
Care of 1234 Your Street
Your City/Town 123456
Bent Banker in his private capacity
Bank Physical Address
ADDRESS 12345

enter date (1 Month 2014)

Re: Account/Credit Card/Reference Number: 123456789

Bent Banker in his private capacity

Thank you for your recent contact dated: enter date.

I wrote to you on enter date requesting the following documentation, so that I may settle any
financial obligation I might lawfully owe:
1. Validation of the alleged debt (the actual accounting);
2. Verification of your claim against me (either a sworn affidavit or a hand-signed invoice in
accordance with The Bills of Exchange Act 1908, Section 23 );
3. A copy of the contract signed by both parties and therefore binding both parties.
4. Please also provide me with a true and certified copy (NOT photocopy) of the Original Note
(Credit Agreement), under penalty of perjury and with unlimited liability and confirm that
this Note, has never been sold. Please also confirm the name of the individual who is the
duly authorised representative from your company, who has carried out due diligence
under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and
what actions s/he has taken in relation to this account.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL; NOTICE TO PRINCIPAL IS NOTICE

As you have failed to provide the aforementioned documentation to validate your claim, I hereby
give you ten (10) days to reply to this notice from the above date with a notice sent using recorded
post and signed under full commercial liability and penalties of perjury, assuring and promising me
that all of the replies and details given to the above requests are true and without deception, fraud
or mischief. Your failure to provide the aforementioned documentation within ten (10) days, from
the above date, to validate the debt, will constitute your agreement to the following terms:

1. That the alleged debt did not exist in the first place; OR
2. It has already been paid in full; AND
3. That any damages I may suffer, you will be held culpable;
4. That any negative remarks made to a credit reference agency will be removed;
5. You will no longer pursue this matter any further.
6. You agree to pay all fee schedules.
 By: autograph

By: Sovereign: John: of the family Doe

No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved.
WITHOUT PREJUDICE – WITHOUT RECOURSE – NON-ASSUMPSIT
Calls may be recorded