Can a landlord garnish your wages?
Last updated: October 13, 2026
Short answer
Not on their own. A landlord cannot take money from your paycheque or bank account just because you owe rent or damages. They first need a money order from the tenancy tribunal or a court. If you do not pay, they must then enforce that order through the court system or the sheriff, and garnishment of wages or a bank account is among the enforcement tools the courts offer in most provinces covered here. The steps differ by province, and the tribunals in most provinces do not collect money themselves.
How a landlord gets from a debt to a garnishment
In most provinces covered here, the path has the same three stages (New Brunswick differs: see its answer below):
- A decision. The landlord applies to the tenancy tribunal or office (or, in some provinces, to a court) for a money order for unpaid rent or damage. You get notice and a chance to respond. A landlord's say-so is not an order.
- Filing the order with a court. If you do not pay, the landlord takes the order to the court system. In most provinces this happens after the appeal period ends with no appeal. Once filed, it is enforced like a court judgment.
- Enforcement. Only then can the landlord use enforcement tools such as garnishing wages or a bank account, seizing and selling property, or registering a charge against land. These are carried out through the court, the sheriff or a bailiff, not by the landlord personally.
We do not give garnishment percentages or amounts here, because the fact files for this page did not cover them. Ask the court or sheriff's office in your province how much of a paycheque can be taken.
Enforcing a landlord's money order, province by province
| Province | Where the landlord files the order | Enforcement tools named by the government or the law |
|---|---|---|
| Alberta | Court of King's Bench (RTDRS orders filed there; Court of Justice orders can be entered there under the Act) | Writ of enforcement, then garnishment (for example of wages or a bank account) or seizure by an enforcement agency; writ can be registered at Land Titles |
| British Columbia | Small Claims Court, or the Supreme Court if over the Small Claims limit | Payment hearing, garnishing wages and bank accounts, bailiff seizure, default hearing, certificate of judgment at the Land Title Office |
| Manitoba | Court of King's Bench | Notice of Garnishment (wages or bank accounts), Writ of Seizure and Sale, Certificate of Judgment (a lien in Land Titles) |
| Saskatchewan | Court of King's Bench, then the Judgment Registry | Sheriff: investigate assets, seize and sell, including bank accounts and wages, subject to exemptions |
| Ontario | Small Claims Court | Garnishment (wages or bank account), writ of seizure and sale of personal property or land, examination hearing |
| New Brunswick | We found no government page on filing a tenancy order as a court judgment | Claims above the deposit go to court, where the judgment is enforced like any other |
| Nova Scotia | Small Claims Court, at no charge, through the Residential Tenancy Officer | Execution Order, Certificate of Judgment, Order for Vacant Possession |
| Prince Edward Island | Court (Supreme Court if the Island Regulatory and Appeals Commission has ruled on an appeal) | Writ of execution, garnishment of debts owed to the debtor, writ of sequestration, receiver |
| Newfoundland and Labrador | The Residential Tenancies Office certifies the order; then Small Claims (under $25,000) or the Office of the High Sheriff (over $25,000) | Enforcement forms named by the government: Installment/Garnishment and Seize/Sell |
Our advice, not law: if you receive a garnishment notice, read it carefully, do not ignore it, and contact the court office named on it. If you think the debt is wrong, the time to challenge it is during the tribunal process or the appeal period, so respond to every notice you are sent.
What a tenant can do
- Respond to the application. If a landlord claims money from you, attend the hearing or file your response. An order made while you did not take part is much harder to undo.
- Check the deadline and the amount. Landlords have time limits to claim damage after a tenancy ends (see the FAQ below), and the claim must be supported by evidence. See can a landlord sue a tenant for damages and can a landlord sue for unpaid rent.
- Talk about a payment plan. Our advice, not law: if you cannot pay in full, offer a written plan before the landlord files the order with a court.
- Know the limits on self-help. A landlord cannot hold your belongings or lock you out to force payment. See what your landlord cannot do.
How landlords enforce money orders in each province
Alberta
The Residential Tenancy Dispute Resolution Service (RTDRS) can order a tenant to pay up to $100,000 for damage, unpaid rent and similar claims. An RTDRS order is filed with the Court of King's Bench and enforced like that court's order. An order from the Alberta Court of Justice can also be entered in that court under the Act (s.54(1)). The filed order must be served on the tenant.
Enforcement is under the Civil Enforcement Act. The landlord files a writ of enforcement with the King's Bench clerk and the Personal Property Registry, then uses garnishment (for example of wages or a bank account) or seizure by an enforcement agency. The writ can also be registered at Land Titles. RTDRS orders are valid for 10 years, with some exceptions.
British Columbia
The Residential Tenancy Branch issues monetary orders but does not enforce them. A landlord who is owed money can deduct what the order allows from a deposit still held (s.72(2)). Otherwise the landlord files the order, with proof of service (Form RTB-21) and the original or a certified copy of the order, in Small Claims Court if the amount is within that court's limit, or in the Supreme Court.
The government lists the enforcement tools as a payment hearing, garnishing wages and bank accounts, bailiff seizure, a default hearing, and a certificate of judgment at the Land Title Office. Not complying with an order is also an offence under the Act (s.95(3)). A landlord's claim for damage must generally be made within 2 years after the tenancy ends (s.60(1)).
Manitoba
A director's order is filed in the Court of King's Bench and enforced like a judgment (s.157(1)). The landlord can file once the appeal period has ended with no appeal; there is no time limit to file. The Residential Tenancies Branch itself enforces only orders about deposits and overcharged rent.
The enforcement tools are a Notice of Garnishment (wages or bank accounts), a Writ of Seizure and Sale, and a Certificate of Judgment, which puts a lien on land in Land Titles. A landlord's damage claim goes to the Residential Tenancies Branch, not to small claims court (s.152(1)).
Saskatchewan
After the appeal period, a landlord can file a certified copy of the Office of Residential Tenancies order in the Court of King's Bench (s.77) and register it in the Judgment Registry. Enforcement is through the Sheriff under The Enforcement of Money Judgments Act: the Sheriff can investigate assets and seize and sell them, including bank accounts and wages, subject to exemptions. A King's Bench judgment lasts 10 years and can be renewed.
A security deposit cannot be seized or garnished (s.31). The Office's monetary claim limit is $30,000. A landlord or tenant who claims compensation must also do what is reasonable to limit the loss (s.8(2)).
Ontario
The Landlord and Tenant Board does not collect money. A landlord files the Board's order with the Small Claims Court, where it is treated as that court's order; this can be done online through Small Claims Submissions Online. The enforcement tools include garnishment (of wages or a bank account), a writ of seizure and sale of personal property or land, and an examination hearing.
The Board can order up to the greater of $10,000 and the Small Claims Court limit, which has been $50,000 since October 1, 2025. A landlord claims tenant-caused damage on form L2 while the tenant is still in possession, or on form L10 within one year after the tenant moves out (s.89). Claims above $50,000 go to court.
New Brunswick
We found no government page that explains filing a residential tenancies officer's order as a court judgment, and we did not find garnishment details, so we do not describe them here. What the law does say: a landlord's claim for money can be paid from the deposit (s.8(12)). A claim above the deposit goes to court, where the judgment is enforced like any other (s.8(12.9)). To hold the deposit while a court claim proceeds, the landlord must start the proceeding within 14 days after the tenancy ends (s.8(12.4)).
A landlord cannot withhold a tenant's belongings, or dispose of them without a residential tenancies officer's direction. If you are served with a notice or order, contact the Tenant and Landlord Relations Office.
Nova Scotia
If no appeal is made within 10 days, the Director's order can be made an order of the Small Claims Court at no charge, through the Residential Tenancy Officer (s.17B(1)). The Small Claims Court can then issue an Execution Order, a Certificate of Judgment or an Order for Vacant Possession. The sheriff's office charges fees for some services. We did not find government detail on garnishment.
A landlord's damage claim goes on Form J within one year after the lease ends (s.13(1)). A landlord cannot hold or dispose of a tenant's property except under a Director's order (s.5(1)).
Prince Edward Island
A Director's order can be filed in court unless an appeal is under way (s.85(2)), and it is then enforced like a court order (s.85(3)). If the Island Regulatory and Appeals Commission confirmed, reversed or varied the order, it is filed in the Supreme Court (s.89(10), (11)). The Supreme Court's rules list writs of execution, garnishment of debts owed to the debtor, writs of sequestration and receivers as enforcement tools; possession is enforced by a writ of possession.
We found no plain-language guidance from the Rental Office on enforcement. A landlord claims damage on Form 2B, during the tenancy or within 6 months after it ends (s.75(1)).
Newfoundland and Labrador
The person who wins an order asks the Residential Tenancies Office to certify it, using a sworn application. A certified order is enforceable like a Supreme Court judgment (s.47(3)). For amounts under $25,000, the landlord files with Small Claims at the Provincial Court (s.47(4)); over $25,000, the Office of the High Sheriff handles it, and possession orders also go to the High Sheriff. The Office does not collect money itself. Enforcement forms include Installment/Garnishment and Seize/Sell.
A landlord's damage claim is an Application for Dispute Resolution made within one year after the tenancy ends (s.42(1)). Separately, a landlord must store a tenant's belongings for at least 30 days from the day they go into storage, and cannot keep them to cover money owed.
Newfoundland and Labrador complaints | Newfoundland and Labrador tenant rights
Related questions
Can a landlord garnish your wages without a court order?
No. In the provinces covered here, a landlord needs a money order from the tenancy tribunal or a court first, and garnishment is then carried out through the court or sheriff. A landlord who simply demands payment from your employer or your bank has no power to take the money.
How much can a landlord garnish from your wages?
We did not find a figure in the tenancy Acts or the government pages we reviewed, so we do not give one. The amount that can be taken comes from the provincial garnishment and enforcement rules, not from the tenancy Act. Ask the court or sheriff's office in your province, and note that Saskatchewan's enforcement rules, for example, include exemptions.
Can a landlord garnish wages for unpaid rent?
Only after getting an order for the unpaid rent and then using the enforcement process. See what a landlord can do if a tenant doesn't pay rent and can a landlord sue for unpaid rent for the claim route in each province.
Does the tenancy tribunal collect the money from me?
Generally no. The Ontario Landlord and Tenant Board does not collect, the BC Residential Tenancy Branch does not enforce its monetary orders, and the Newfoundland and Labrador Residential Tenancies Office does not collect money. Manitoba's branch enforces only deposit and overcharged-rent orders. In each case the landlord takes the order to a court or sheriff.
Can a landlord take money from my security deposit instead?
Sometimes. In British Columbia a landlord may deduct an amount owed under an order from the deposit still held (s.72(2)), and in New Brunswick a deposit claim is paid from the deposit (s.8(12)). The deposit rules differ by province, so check yours. In Saskatchewan, a deposit cannot be seized or garnished (s.31).
How long does a landlord have to claim damage after I move out?
It depends on the province. The deadlines we confirmed are: Alberta 2 years (RTDRS claims), British Columbia 2 years after the tenancy ends, Ontario 1 year after move-out for form L10, Nova Scotia 1 year after the lease ends, Newfoundland and Labrador 1 year after the tenancy ends, and Prince Edward Island 6 months after the tenancy ends. See can a landlord sue a tenant for damages.
Can a landlord keep my belongings until I pay?
Not in several provinces. In New Brunswick a landlord cannot withhold a tenant's belongings, or dispose of them without a residential tenancies officer's direction. In Nova Scotia a landlord cannot hold or dispose of a tenant's property except under a Director's order. In Newfoundland and Labrador a landlord cannot keep belongings to cover money owed and must store them for at least 30 days from the day they go into storage. See what your landlord cannot do.
What should I do if I get a garnishment notice?
Our advice, not law: read the notice, note the court office and file number, and contact that court office right away. Gather the order and any proof of payments you have made. If you believe the order was made in error or the amount is wrong, ask the tribunal or court how to apply to challenge it, and note that appeal periods are short. The tenancy office in your province can explain where to go. Use how to report a landlord if the landlord has acted outside the process.
Can a landlord register a debt against my home or property?
Some provinces allow it after a court order. Alberta lets a writ of enforcement be registered at Land Titles, Manitoba and British Columbia name a certificate of judgment, and Ontario names a writ of seizure and sale of land.
Government sources
- Alberta Residential Tenancies Act
- Alberta RTDRS hearings and orders
- BC Residential Tenancy Act
- BC enforcing a monetary order
- Manitoba Residential Tenancies Act
- Manitoba Guidebook: enforcing orders
- Saskatchewan Residential Tenancies Act, 2006
- Saskatchewan Court of King's Bench: enforcing orders
- Ontario Residential Tenancies Act, 2006
- Tribunals Ontario: collecting money a former tenant owes
- New Brunswick Residential Tenancies Act
- New Brunswick: belongings after eviction
- Nova Scotia Residential Tenancies Act
- Prince Edward Island Residential Tenancy Act
- Newfoundland and Labrador Residential Tenancies Act, 2018
- Newfoundland and Labrador: enforcement of orders
General information, not legal advice. Rules change; check your province's tenancy office before acting.
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