Garnishee Orders

Debt Assist
If your salary is being garnished, don’t panic. Our Debt Assist experts can help you reach a settlement and reduce your monthly payments.

A garnishee is a court order that has to be directly served to your employer by a sheriff of the court, ordering your employer to make deductions from your salary. These deductions will be used to pay off the debt you owe.

More about a garnishee/emolument order
  • An emolument order, commonly referred to as a garnishee order, is a court order that is served by the sheriff (or messenger) of the court on the employer, ordering the employer to make deductions from an employee’s salary or wage in settlement of a debt owed by the employee to a third party creditor.
  • A specified amount of money is deducted from the employee’s salary or wages each time the employee is paid, until such time as the debt owed by the employee has been paid in full.
  • A court will only make such an order where it is satisfied that there is a valid underlying debt, or there has been a valid written consent to the order being taken, or the court has previously made an order instructing that the debtor’s (employee’s) salary or wage be attached.

Remember: As a Legal&Tax client, you can get expert debt advice from our professionals as often as you need, without having to pay more.

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In order to find quick and effective solutions to your debt concerns, contact our Debt Assist experts today on 0860 587 587 or SMS "Debt" to 31690.

We care about our clients and want to give you a guiding hand wherever the path of life leads you. For this reason, Debt Assist is included in our legal plans.

How can Debt Assist help you during this process?
  • We make sure the garnishee order is lawful.
  • We evaluate your current financial situation and search for ways you can pay off the debt you owe, quickly and effectively.
  • It's important that you never sign anything given by a creditor or debt collector without first letting a Debt Assist advisor read it. With Debt Assist, you will always have a guiding hand to help you with your debt concerns.

The Debt Assist team has the experience and expertise to negotiate with the creditor on your behalf.

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Debt assistance includes the following services
Debt doesn’t have to be forever. We’re here to offer you support and knowledge to get you back on track with your finances
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Credit Report
Our Debt Assist experts can help you by communicating directly with the Credit Bureau on your behalf. They will also help you find an affordable way to pay off your debts.
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If your salary is being garnished, don’t panic. Our Debt Assist experts can help you reach a settlement and reduce your monthly payments.
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This is the process where we will help you reach a suitable arrangement with the creditor’s representative, or negotiate to settle your debts in order to avoid litigation.
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Following our debt advice process, if needed we will refer you to our panel of external Debt Counsellors. Debt Counselling is a legal process, where you apply to have your debt restructured so that you can make everyday payments and still be able to pay off your debt at a reduced instalment amount.
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