A wage garnishment order can cause big issues for your finances, but knowing what can and can't occur during the process may help. Getty Images/iStockphoto For the average person, their paycheck is the foundation on which everything else is built — their rent or mortgage payment, groceries, debt payments and retirement contributions. What many don't realize, though, is that under the right circumstances, borrowing money can put that income at risk. In certain cases, a creditor can reach into that foundation and withdraw a portion before it ever reaches the bank account. And with debt hovering at record highs and credit card debt at over $1.28 trillion, more people than ever are reaching the kind of financial terrain where that risk becomes real.That tactic, known as wage garnishment, isn't a fringe collection method that debt collectors and creditors are occasionally allowed to use.…