Garnishment is the practice of seizing funds in the possession of a third party to pay a judgment. One of the more common practices is the garnish an owner’s wages directly from his employer. Arizona law allows wages to be garnished in an amount up to 25% of the wages. Arizona law strictly controls the right of garnishment and it can be a powerful tool for the collection of a judgment.
HOAs in our experience routinely abuse the garnishment process, often collecting far more than the face amount of the judgment.