Unfortunately, she is still entitled to her share of your pension. You cannot simply offset what she owes you unless you have a court order allowing you to do so. However, your pension should have been divided pursuant to a QDRO, in which case, your x-wife would receive her share directly from the pension plan itself.

Absolutely garnish her wages. You will need to do a wage assignment and serve it on your ex-wife’s employer. You can either have the payment come directly to you or set up an account through the Family Support Registry (“FSR”). If you choose FSR, the payment will come to them, and they will send it to you. The advantage is that FSR keeps a payment record, so you will always know how much your ex-wife has paid. This makes it much easier to file for a judgment or contempt action if you need to do so.