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A Garnishee Order lets creditors collect money they're owed by taking it directly from a debtor's third-party funds in Austria - typically from their wages, bank accounts, or other income sources. When a court issues this order, it legally requires the third party (like an employer or bank) to redirect specific payments to the creditor instead of the debtor.

Under Austrian enforcement law (Exekutionsordnung), these orders are powerful debt collection tools that protect creditors while ensuring debtors keep enough income to live on. The law sets clear limits on how much can be garnished, with special protections for essential living expenses and social benefits. Banks and employers must follow these orders immediately once received.

Consider pursuing a Garnishee Order when traditional debt collection methods have failed and you know your debtor has regular income sources or assets held by third parties in Austria. This legal tool proves especially valuable when dealing with employed debtors who repeatedly ignore payment demands, or when you've identified specific bank accounts containing collectable funds.

Timing matters - file for a Garnishee Order once you have a clear enforcement title (like a court judgment) and verified information about the debtor's income sources or accounts. Austrian law requires creditors to act within specific limitation periods, so moving quickly after obtaining your judgment helps ensure successful recovery while preserving your enforcement rights.

• Wage Garnishment Orders: Target regular employment income, requiring employers to redirect a portion of salary payments to creditors while respecting protected subsistence levels
• Bank Account Attachments: Freeze and collect funds directly from debtor bank accounts, including savings and investment accounts
• Pension Garnishment Orders: Apply specifically to retirement benefits and pension payments, following special protection rules
• Rental Income Orders: Target income from property rentals or lease agreements managed by property managers
• Social Benefit Garnishments: Limited garnishment of certain social benefits, subject to strict protective regulations under Austrian social law

• Creditors: Companies, individuals, or organizations who have obtained court judgments and seek to recover debts through direct payment channels
• Courts: Issue and enforce Garnishee Orders, ensuring compliance with Austrian debt collection laws and protected income limits
• Garnishees: Banks, employers, or other third parties who hold debtor funds and must redirect payments as ordered
• Debtors: Individuals or entities whose income or assets are subject to garnishment, retaining rights to minimum protected amounts
• Legal Representatives: Lawyers who prepare applications, advise on enforcement options, and manage the garnishment process

• Court Judgment: Obtain a valid enforcement title from an Austrian court before applying for the garnishment
• Debtor Details: Gather accurate information about the debtor's employer, bank accounts, or other income sources
• Debt Documentation: Compile precise records of the outstanding amount, including interest and costs
• Income Verification: Research the debtor's income sources to ensure they exceed protected subsistence levels
• Garnishee Information: Collect exact details of third parties holding debtor funds, including their legal addresses
• Application Forms: Complete standard Austrian court forms for garnishment applications, available through our platform

• Court Details: Complete identification of the issuing court and case reference number
• Party Information: Full legal names and addresses of creditor, debtor, and garnishee
• Debt Specifics: Exact amount owed, including principal, interest, and enforcement costs
• Payment Instructions: Clear directives for garnishee regarding payment amounts and transfer details
• Protected Amounts: Specification of legally protected subsistence levels under Austrian law
• Compliance Notice: Statement of legal obligations and consequences for non-compliance
• Time Limits: Clear deadlines for implementation and duration of the order

A Garnishee Order differs significantly from an Assignment Agreement in both purpose and application within Austrian law. While both documents involve transferring rights to payment, they operate quite differently.

• Legal Authority: Garnishee Orders are court-issued enforcement tools, while Assignment Agreements are voluntary contractual arrangements between willing parties
• Timing of Effect: Garnishment takes effect immediately upon court issuance, whereas assignments require mutual agreement and execution by both parties
• Party Control: In garnishment, the debtor has no choice in the transfer; assignments require the assignor's active participation and consent
• Scope of Application: Garnishee Orders specifically target existing debts and income sources, while assignments can transfer various rights and future receivables
• Protection Mechanisms: Garnishee Orders must respect statutory subsistence levels; assignments have no such automatic protections