Can my creditors garnish my wage without advance notice to me?

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Can my creditors garnish my wage without advance notice to me?Can my creditors garnish my wage without advance notice to me?

I live in Edmonton, Alberta, and I’m 4 months behind on my credit cards payments.   Can my creditors garnish my wage without advance notice to me or do they have to take me to court before it happens?

I find very confusing answers on the internet, some says I can defend myself in court before it happens, others say they can do it without my knowledge.

Thanks

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Creditors have to get a judgement at the court before they can garnishee your wages. This does not apply to CRA.

If a wage garnishee is put in place you can have it removed in a matter of hours, by filing bankruptcy or a consumer proposal.

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