I am a client and want to know what happens if the creditor sues for garnishment because they do not want to work with you.

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If your creditors don't agree to work with the company, then they can sue you for garnishment. The bottom line is, if your creditors win the case and obtain judgment, they can take the following actions: 
Garnish your wage/bank account 
Impose a lien against your property.

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