Wage garnishment is a legal process where a portion of an individual's earnings is withheld by an employer to pay off a debt. This typically occurs when a court orders the garnishment due to unpaid debts, such as credit card bills, student loans, or child support. The employer is responsible for deducting the specified amount from the employee's paycheck and sending it directly to the creditor. The amount that can be garnished varies by state and is usually a percentage of the employee's disposable income, which is the amount left after taxes and other mandatory deductions. Wage garnishment can significantly impact an individual's financial situation, making it essential to address debts before they escalate to this level.