Why wasn’t I notified of this garnishment?

Under Oregon law, a creditor garnishing your wages must provide you a copy of the garnishment but not in advance of delivering the garnishment to your employer or payroll service.  Usually a garnishment is hand delivered to an employer and then mailed to you. In other words, by the time you find out about an Oregon Wage Garnishment, it is generally too late to stop it.  And if a friendly employer ignores an Oregon Wage Garnishment, the employer may be found liable to repay the creditor. Finally, the garnishment restriction rules generally do not apply to state or federal agencies – like a tax creditor or support enforcement.