Say you don't get paid via direct deposit but a check from a client as a self employed individual. Is it the case that here, they will instruct the bank to hold on to a max of 20% of the monthly earnings in Ontario? I don't see how they could ask the client to pay them(the credit card company) a separate check of 20% and the business owner who owes money the remaining 80%. Sounds a bit inefficient.

Also to get to the point where a creditor garnishes your wages, they need to sue you and go through the courts right? I believe the CRA is the only creditor that doesn't need to follow that process.

Say you settle with a monthly payment plan with the creditor before they sue you, then I guess that's the best outcome even for them right?

Like the only time they will try to get a garnishment order is after the court case if you are found liable for debt and are still not willing to pay for it right or can they still garnish your wages if you agree to pay for it on a monthly plan or outright? Thanks