If it’s a nonperiodic garnishment, it goes to your bank first. As soon as the bank gets a Writ of garnishment against you, your account may be frozen – you will not be able to get any of the money there. This could mean that any checks you just sent out may bounce and the bank may charge you additional fees.
When a bank gets a writ of garnishment, it has seven days to serve it on you by mailing or giving you a copy.
You might have a reason to object to the garnishment. If so, file your objection with the court within 14 days of getting the notice of garnishment if you hope to stop the garnishment. See the article Objecting to Garnishments for information about when and how to object to a garnishment.
Short of paying the entire debt, you can’t do much to prevent a nonperiodic garnishment after a writ is issued.
If it’s a periodic garnishment, your employer should notify you before it goes into effect. If you don’t get the notice, you might have a reason to object to it.
You can file a Motion for an Installment Payment Plan, which will stop and prevent periodic garnishments. It won’t stop nonperiodic garnishments. See the article Getting an Installment Payment Plan for more information about this.
You may be able to file an objection to the garnishment if it is improper for some reason. You have 14 days after you’re notified of the garnishment to file an objection.