Employment & Wages

Employer Search for Wage Garnishment

A continuing wage garnishment is the most reliable recovery mechanism there is, but only if it is served on the employer that actually runs the debtor’s payroll.

  • Current employer identification and payroll entity
  • Self-employment and 1099 contractor indicators
  • Multiple or seasonal employment patterns
  • Head-of-family and state exemption analysis
  • Correct service entity for the garnishment
FCRA / GLBA / DPPA compliant
Report in 3 to 5 business days
All 50 states

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Tell us about the judgment and the debtor. We scope the research and quote a flat fee before any work begins.

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Debtor Full Name
For example: real property, business interests, liens, or whether collection looks viable.
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The Mechanism

Why wage garnishment outperforms almost everything else

A bank levy is a snapshot. It captures whatever is in the account the moment it is served, and if the timing is wrong it captures very little. A continuing wage garnishment is a subscription: it attaches to every pay period until the judgment is satisfied.

For an employed debtor of ordinary means, garnishment is usually the single most productive mechanism available. It only works if the writ reaches the entity that actually issues the paycheque, which is frequently not the business name the debtor gives you.

The payroll entity problem

  • PEOs and staffing firmsThe employer of record differs from the worksite employer
  • Holding structuresPayroll runs through an entity with a different name
  • Franchise operationsThe franchisee, not the brand, is the employer
  • Contractor status1099 income is reached by a different mechanism entirely

Deliverable

What the employment report returns

What the report contains

  • Current employerIdentified with the evidence supporting it
  • Payroll entity for serviceThe entity the writ should actually name
  • Employment characterW-2, 1099, seasonal or multiple concurrent
  • Self-employment indicatorsBusiness ownership and trading signals
  • Exemption analysisState limits and head-of-family status where it applies
  • Realistic yield estimateWhat a garnishment plausibly nets per period

How we scope and price it

Every matter is quoted individually. We look at the debtor type, the states involved, and how much you already know before we give you a number. There is no subscription and no retainer.

  • You send what you haveJudgment, case number, debtor name and last known address
  • We scope it and quote a flat feeAgreed in writing before research starts
  • You receive the report and an invoiceNo card on file, no automatic renewal

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Constraints

Exemptions decide whether this is worth doing

Garnishment likely productive

  • Steady W-2 employment above the exemption floor
  • Earnings comfortably above 30x federal minimum wage weekly
  • Debtor not the sole support of a household, in states where that matters
  • Employer is a stable, identifiable entity
  • Judgment domesticated in the employment state

Garnishment likely blocked

  • Florida head-of-family exemption, which protects most household earners entirely
  • Earnings below the federal 30x floor
  • Income entirely from exempt sources such as Social Security
  • Purely 1099 income, which needs a different mechanism
  • Texas and other states barring most private wage garnishment

FAQ

Employment and garnishment questions

Federal law caps it at the lesser of 25% of disposable earnings or the amount above 30x the federal minimum wage weekly. States often protect more, never less. Florida’s head-of-family exemption in particular defeats most consumer garnishments outright, which is why we check it before you file.

Wage garnishment does not apply, but the income still can be reached. Receivables, merchant settlement and distributions are the targets, and that is a different writ.

Yes. The employer must notify the employee once served. Nothing is disclosed by the research itself.

It happens. It is one reason we identify secondary income and asset targets in the same report rather than leaving you with a single point of failure.

If the employer is in another state, generally yes. We flag it in the report so it is handled before you serve rather than after it is rejected.

The report

Judgment Collectability & Asset Report $270

A bounded, debtor-specific research product covering one final judgment and one debtor — an individual or a business. You get a written picture of what that debtor appears to own and whether pursuing them is worth your time.

What the report covers

  • Public-record asset and collectability research
  • Identifiable real property
  • Business interests and affiliated entities
  • UCC filings and recorded liens
  • Relevant litigation and bankruptcy indicators
  • Known addresses and employment indicators where lawfully available
  • Written findings identifying potential collection targets for further investigation

What it does not do

  • No guaranteed bank-account discovery
  • No guaranteed recovery
  • No representation that every identified asset is legally reachable
  • No legal advice
  • No enforcement filing or attorney service included
  • Additional debtors or unusually complex investigations may require a separate quote

How it works

  1. Send the request below with your judgment and debtor details.
  2. We review it and confirm the scope with you — including whether your matter needs a separate quote.
  3. We send a Stripe invoice. Work begins once it is paid.
  4. Findings are typically delivered within three business days after payment and receipt of sufficient identifying information.

This is research, not legal advice, and it is not an enforcement or attorney service. Nothing here guarantees recovery.

Get Started

Request an Asset Report

Send the judgment and what you know. We scope it, quote a flat fee, and only start once you agree.

Request an Asset Report
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Or call us: 352-353-4556

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