What To Do When Your Debtor Plays Hard To Get - Garnishment

In the process of enforcing a Judgement, debtors sometimes prove elusive and play hard to get, making the pursuit of what's rightfully yours extra difficult. However, there is a simple but strategic move that might just turn the table around – garnishing the debtor's bank account.

Step 1: Locate and Read the Cheque

To garnish the debtor's bank account, your first move is to investigate the account details. Starting by combing through past financial transactions between the creditor and the debtor, particularly those involving cheque payments, can be the game-changer. If the debtor has made any payment by cheque, you can use the cheque as evidence to support your belief that the debtor holds bank account(s) at the financial institution. In case the original cheque is lost, don't worry – your bank can provide transaction records, which will include an image of the cheque.