A more thorough explanation:

The factorizing process is a legal procedure where a third party, instead of the creditor, seizes a debtor's property. This process is also known as garnishment, trustee process, or process by foreign attachment.

For example, if a person owes money to a creditor and fails to pay, the creditor can seek legal action to recover the debt. The creditor can use the factorizing process to seize the debtor's property, such as bank accounts, wages, or assets, to satisfy the debt.

In some states like Vermont and Connecticut, the garnishee, or the third party who seizes the property, is also called the factor. The factorizing process is a way for creditors to recover their debts without directly seizing the debtor's property.