Which statement is correct regarding the legal process of garnishment?

	a.	It is a process for collecting money owed but only for missed payments on consumer credit purchases.
	b.	It allows a creditor to get a portion of the debtor's wages from debtor's employer
	c.	All the answer choices are correct.
	d.	It is available to all creditors for any outstanding debt when the debtor is more than 60 days late with payments.