Wage Garnashees are nasty things. They are court ordered and are designed to force you to repay a debt to a debtor. If you say owe money to a Credit Card company. You have neglected to repay even your minumum payment, refused to answer their calls, decided to have the phone disconnected maybe…. They will leave me alone now?
Nope. A Garnashee order is issued and you will appear in Court. Without a suitable reason for your conduct a judge may issue an order to Garnashee your wages and there is not too much you can do except beg for forgiveness. Not too likely it will work. In other countries such as Canada Garnashees can be ordered with out you even knowing until you notice a difference in your net pay and payroll is not to blame.
Best practice. Call a creditor, keep the lines of communication open and do your best to make payment.