Can I Use a Promissory Note to Garnish Wages from a Person Who Defaults?

A promissory note is a contract between two people that outlines the terms of repayment on lent money. Such a contract must be enforced as would any typical breach of contract: through court.

Standard Legal is unaware of any situation where a person could simply present a promissory note to a bank or employer to collect on money owed through the garnishment of wages or accounts.

If the dollar value of the promissory note is small enough, you may be able to take action in small claims court. But if you are looking to enforce the terms of a larger promissory note, that action will require you to obtain a judgment in civil court. In that case, we recommend that you secure the services of a qualified local attorney to pursue this legal action. You can find a qualified  local attorney for FREE at Standard Legal’s Attorney Find page.