{"success":true,"data":{"id":"paycheck-garnishment-legal-phish","label":"Fake court order or debt collector claiming a wage garnishment order has been issued and the target must pay the judgment balance to avoid immediate garnishment enforcement — illegal collection scare tactics and advance-fee fraud; real wage garnishment is served through formal legal process directed to the employer, never settled by clicking an email link.","description":"Fake court order, collection law firm, or debt collector claiming a wage garnishment order has been formally issued against the target and that they must pay the judgment balance via email link to avoid immediate garnishment enforcement by their employer — illegal debt-collection scare tactics combined with advance-fee fraud. Real wage garnishment orders are served through formal legal process (15 USC 1671 / Consumer Credit Protection Act, state garnishment statutes): they are directed to the employer's payroll department through authenticated court orders, never to the debtor via cold email demanding an email-link payment to \"stop enforcement.\" This pattern exploits fear of employment disclosure and paycheck reduction to coerce immediate payment to a fraudulent payment portal. Distinct from debt-collection-legal-threat-phish (generic debt-collection final notice / lawsuit narrative) and government-fine-penalty-payment-phish (government fine pretext) — this targets the wage/paycheck garnishment / court order issued / judgment balance / immediate enforcement pretext specifically. Detection: wage/paycheck garnishment + judgment balance + pay to avoid immediate enforcement vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R27; CFPB debt collection rules (FDCPA 15 USC 1692); FTC debt collection scam advisory 2025; FBI IC3 fake garnishment order fraud alert; CCPA wage garnishment limits.","tier":"danger","category":"phishing","isThin":false}}