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A creditor must start a legal action in either Small Claims Court or Supreme Court (see the section on Court Processes in Consumer and Debt Matters) to get a garnishing order against a bank account. The garnishing purchase can be had with out a court hearing and without warning into the debtor. The creditor files an affidavit and a draft purchase utilizing the court registry. A registry official processes the draft purchase and provides the finished order into the creditor to provide from the 3rd party and the debtor. The affidavit and purchase must follow a structure lay out into the schedules during the end regarding the Court purchase Enforcement Act.

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