North Carolina Basic Law Enforcement Training (BLET) State Practice Exam

Disable ads (and more) with a membership for a one time $4.99 payment

Prepare for the North Carolina Basic Law Enforcement Training (BLET) State Exam with tailored quizzes and multiple-choice questions that provide insights and explanations. Strengthen your knowledge and skills to succeed in your law enforcement career!

Practice this question and more.

Which of the following best describes garnishment?

Seizure of physical assets
Restraining the transfer of funds or property
A judgment in a civil case
A hearing for debt collection

The correct answer is: Restraining the transfer of funds or property

Garnishment refers to the legal process by which a creditor can obtain a portion of a debtor's wages or bank funds to satisfy a debt. This process does not involve the physical seizure of assets but instead involves legal action to restrain or intercept the transfer of funds or property that the debtor is entitled to receive. The creditor obtains a court order that directs the debtor's employer or bank to withhold a specific amount of money before it is paid out to the debtor. This action is specifically targeted at ensuring that debts are paid while still allowing the debtor to retain a portion of their income for living expenses, which differentiates it from other options provided. Thus, this understanding of garnishment directly aligns with the correct answer choice, which emphasizes the restraining aspect inherent in the process.