for example, if an employee of a business owes money to a bank, the bank can use garnishment to require the employer to hold, and ultimately pay to the bank, a portion of the wages that the employer owes to the employee. in the case of a nonearnings garnishment, the garnishee must provide a written disclosure to the creditor within 20 days after service of the garnishment summons that identifies all indebtedness, money, or property that the garnishee owes to the debtor.