When a person obtains a money against someone who doesn't pay the judgment, they may seek to garnish or attach their assets to collect the judgment. The person seeking to collect is called the judgment creditor and the person who owes on the judgment is called the judgment debtor. The restraining notice is a court order that forbids the recipient from selling or otherwise transferring any of the judgment debtor's assets that the recipient might possess.
Typically, when preparing to collect from the judgment debtor's bank account, the judgment creditor should make sure that he/she has sent a restraining notice to the bank that houses the judgment debtor's's account. Laws governing garnishment vary by jurisdiction, so local laws should be consulted specific requirements in your area.
