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https://www.illinoislegalaid.org/legal-information/collecting-wages-and-bank-accounts
Date: 09/05/2025

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Money & Debt

Person holding paycheck
Collecting from wages and bank accounts

After a judge signs an order determining that a person owes money, the creditor can try to collect the amount due. Learn what it means to be in a collection-proof status and how creditors can get repaid after a debt judgment is entered.

How a debt judgment can be collected basics
Understand how creditors access wages, bank accounts, and other types of property to collect a debt judgment.
Text article
How a debt judgment can be collected common questions
Find answers to common questions about wage assignments and how creditors can access income and assets.
FAQ
Understanding collection-proof status basics
Learn what it means to be collection-proof, which income and assets are protected from private creditors, and how to notify creditors.
Text article
Understanding collection-proof status common questions
Find answers to common questions about being collection-proof and how creditors can access income and assets.
FAQ
Can you go to jail for unpaid debt?
Describes why a debtor can go to jail for avoiding a judgment ordered against them to pay back the debt.
Text article
Citation to discover assets to debtor
A program to create forms to help you collect on a money judgment.
Easy Form
Collect a judgment from debtor's bank or employer
A program to create forms to help you collect on a money judgment from a bank or an employer.
Easy Form
Handling a wage garnishment or third party citation
Information for employers. Learn what you should do when an outside party, like a credit card company, garnishes your employee's salary and deducts their wages.
Text article
Helping clients with wage and non-wage garnishments
Approaches to take when defending wage and non-wage garnishments.
Text article
Garnishing a debtor's wages
Understand the steps a creditor must take to garnish a debtor's paycheck.
How-To
Helping clients with post judgment debt collections
Information for attorneys about judgment liens on real estate and the post-judgment collection methods of creditors.
Text article
Emergency motion to claim exemption
A program to help you ask the court to access money in a frozen bank account. Use this if your income is protected by law (exempt) and someone is suing you for money.
Easy Form
Stop wage assignment
A program to help you create notices to stop a creditor from taking money out of your paycheck.
Easy Form
Finding out about a debtor's money, property, and income
Learn how to use a Citation to Discover Assets to reveal a debtor's financial status.
How-To
Helping clients with wage deductions
Advanced content for lawyers. Describes how creditors can deduct from a consumer's wages when a judgment has been entered.
Text article
Collecting money other than wages from a third party
Explains how to collect a judgment from a debtor by sending a citation to banks and other third parties.
Text article
Petition for a rule to show cause to collect a debt
Describes using a Petition for a Rule to Show Cause to have the person who owes you money come in and tell why the payments are not being made. During the original court case, you were the plaintiff, and the person who owed you money was the defendant.
Text article
Creditors' rights
Attorney resource for handling collection cases, including methods for enforcement of judgments. 2022 edition.
IICLE
Collection litigation: Representing the creditor
Attorney resource on the representation of creditors in collection litigation. 2022 edition.
IICLE
Collection litigation: Representing the debtor
Defines debtor rights and describes court procedures for responding to debt collection lawsuits. 2022 edition.
IICLE

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All rights reserved.
 
ILAO is a registered 501(c)(3) nonprofit organization. ILAO's tax identification number is 20-2917133.

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© 2025 Illinois Legal Aid Online. 
All rights reserved.
 
ILAO is a registered 501(c)(3) nonprofit organization. ILAO's tax identification number is 20-2917133.