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A Garnishee Order is a court directive that lets creditors collect money owed to them by taking it directly from a debtor's salary or bank account in Saudi Arabia. It's commonly used when someone hasn't paid their debts despite previous attempts to collect payment.

Under Saudi enforcement law, these orders typically require employers or banks to withhold and redirect specific amounts from the debtor's income or accounts. The process protects both parties by following strict Shariah-compliant guidelines, ensuring debtors keep enough money for basic needs while helping creditors recover their dues through official channels.

Use a Garnishee Order when you need to recover debts from someone who has the means to pay but refuses to do so in Saudi Arabia. This legal tool works particularly well when you know the debtor has a steady income source or maintains active bank accounts.

The timing is crucial - file for a Garnishee Order after obtaining a court judgment and when traditional collection methods have failed. It's especially effective for recovering business debts, unpaid loans, or overdue payments where the debtor's employer or bank can be clearly identified. The Saudi enforcement courts typically process these orders quickly, making them an efficient way to secure payment.

• Bank Account Garnishment: Freezes and redirects funds from a debtor's bank accounts, including savings, current, and investment accounts under Saudi banking regulations
• Salary Garnishment: Requires employers to withhold a portion of the debtor's monthly income, following Shariah-compliant guidelines on maximum deduction limits
• Commercial Revenue Garnishment: Targets business income, accounts receivable, or regular commercial payments owed to the debtor
• Rental Income Garnishment: Intercepts rental payments or property-related income streams before they reach the debtor

• Creditors: Banks, businesses, or individuals who apply for Garnishee Orders to recover unpaid debts through official channels
• Enforcement Courts: Saudi judicial authorities who review, issue, and oversee the implementation of garnishment orders
• Garnishees: Banks, employers, or third parties who must comply with the order by redirecting funds from the debtor
• Debtors: Individuals or businesses whose assets or income are subject to garnishment, with rights protected under Shariah law
• Legal Representatives: Lawyers and legal advisors who guide clients through the garnishment process

• Court Judgment: Obtain a valid court judgment confirming the debt before applying for a Garnishee Order
• Debtor Details: Gather accurate information about the debtor's employer, bank accounts, and income sources
• Debt Documentation: Compile all relevant documentation showing the exact amount owed and payment history
• Legal Requirements: Ensure compliance with Saudi enforcement law and Shariah principles regarding debt collection
• Garnishee Information: Collect precise details of the third party (employer or bank) who will execute the order
• Amount Calculation: Determine the allowable garnishment amount, considering legal limits on deductions

• Court Information: Full details of the issuing court, case number, and date of the original judgment
• Party Details: Complete identification of creditor, debtor, and garnishee, including official registration numbers
• Debt Specifics: Exact amount owed, payment terms, and calculation method following Shariah principles
• Garnishment Instructions: Clear directions for the garnishee about payment collection and transfer procedures
• Legal Authority: Reference to relevant Saudi enforcement laws and regulations
• Compliance Statement: Declaration of adherence to maximum deduction limits and debtor protection rules

A Garnishee Order differs significantly from a Cease and Desist Order in both purpose and application within Saudi Arabia's legal framework. While both are court-issued documents, they serve distinct functions in resolving different types of disputes.

• Purpose: Garnishee Orders collect existing debts by redirecting funds from third parties, while Cease and Desist Orders stop specific actions or behaviors
• Enforcement Mechanism: Garnishee Orders work through financial institutions or employers to secure payment, whereas Cease and Desist Orders rely on direct compliance from the target party
• Duration: Garnishee Orders remain active until the debt is satisfied, while Cease and Desist Orders typically take immediate effect with indefinite duration
• Legal Process: Garnishee Orders require a prior judgment proving the debt, but Cease and Desist Orders can be issued based on evidence of harmful conduct