Even if the judgment is not defective, there may be grounds to fight the garnishment. Certain funds (such as social security, retirement funds, workers compensation, etc.) are protected from garnishment even when they are in your bank account. While banks may preserve known protected funds from the garnishment (because the bank knows the source of direct-deposited funds), banks may not always get it right. If the bank messes up and holds protected funds, filings can be made in the garnishment to recover the protected funds. Even if the judgment is defect-free and no protected funds are involved, there may be defects in the garnishment process which invalidate the garnishment. Georgia law in this area has changed significantly in recent years, so it is important to have your garnishment case reviewed by a qualified attorney.