Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to garnish someone's wages [title] Get a judgment. [step] You need to sue and be awarded a judgment before you can garnish someone's wages. If a debtor is behind on repaying a loan, you cannot immediately jump to wage garnishment.

Ending1: To use a judgment, gather all the debts owed to the debtor, including any remaining mortgages, alimony, child support payments, and any other debts. Make sure the debtor has a lump-sum amount to budget for working conditions and other expenses. Ending2: Instead, you need to sue for the amount owed. Once you get a judgment from a court, then you can use wage garnishment to help you collect on the debt. Ending3: Take a job doing the hiring yourself and let the debtor know that you respect their opinion and you will not disseminate his or her wages under garnishment. [substeps] You will likely need a co-owner to garnish the debtor's wages. Ending4: Instead, you can be garnished with a judgment in a number of ways. Take the following into consideration : [substeps] The debtor has a change in economic status, such as a decrease in employment, a reduction in revenue, or a change in liabilities.

Answer format: ending1/ending2/ending3/ending4