What do others do regrarding ODP protection when they receive a garnishment? Do you turn the protection off.

What do others do with garnishments and right of offset if the customer is not past due?

Do others have a written procedure that if the balance is below $5.00 they do not garnish. But if the balance is $5-10 they would debit the account for processing fees up to the dollar amount of the processing fee before garnishing.

I am trying to get some ideas for writing procedures for responding to an audit.