{"id":357844,"date":"2016-04-04T10:45:29","date_gmt":"2016-04-04T15:45:29","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/employment\/wages-and-benefits\/garnishment-of-wages.html"},"modified":"2024-03-18T11:53:35","modified_gmt":"2024-03-18T16:53:35","slug":"garnishment-of-wages","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/employment\/wages-and-benefits\/garnishment-of-wages.html","title":{"rendered":"Wage Garnishment"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Wage Garnishment<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/olivia-wathne-jd\/\">Olivia Wathne, J.D.<\/a>\n                | Last updated\n        <time>\n                            March 18, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Wage garnishment is a legal procedure in which an employer withholds a portion of a debtor&#8217;s earnings to repay creditors. Garnishment is a fairly severe consequence and is usually used only when an employee is seriously behind on their debts.<\/p>\r\n<p>The types of debts that may be repaid through wage garnishment include:<\/p>\r\n<ul>\r\n<li>Back taxes<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/family\/child-support\/child-support-overview.html\">Child support<\/a>&nbsp;payments<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/family\/divorce\/alimony.html\">Alimony or spousal support<\/a><\/li>\r\n<li>Federal student loans<\/li>\r\n<li>Personal loans<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/litigation\/filing-a-lawsuit\/after-a-judgment-collecting-money.html\">Judgments from court cases<\/a><\/li>\r\n<li>Back rent or rental property damage<\/li>\r\n<\/ul>\r\n<h2>How Does Wage Garnishment Work?<\/h2>\r\n<p>No matter how far behind a debtor is on their debt, the creditor may still have to schedule a hearing with a court. The creditor must then prove that the debtor owes money and that the debtor has failed to make the required payments.<\/p>\r\n<p>If the court agrees, it will issue an order requiring the debtor&#8217;s employer to withhold a certain amount of their paycheck, which may include the federal minimum wage as a baseline. This amount, often called the &quot;garnishment amount,&quot; is based on the employee&#8217;s disposable earnings. The court sends the employer a letter and specific instructions detailing the proper garnishment process.<\/p>\r\n<p>In writing, the employer then notifies the debtor that wage garnishment is about to happen. Then, the employer follows the court-issued instructions, deducting the specified amount of money from the employee&#8217;s wages before disbursing the remaining salary.<\/p>\r\n<h2>Wage Garnishment Protections for Employees<\/h2>\r\n<p>There are several protections in place for employees facing garnishment. The federal government and many state laws prevent debtors from becoming impoverished while repaying their debts. Two of the most important wage garnishment law protections are:<\/p>\r\n<ul>\r\n<li><b>Employers can only garnish a certain amount of work income.<\/b>&nbsp;Under the&nbsp;<a href=\"https:\/\/codes.lp.findlaw.com\/uscode\/15\/41\" target=\"_blank\" rel=\"noopener\">Consumer Credit Protection Act (CCPA)<\/a>, a garnishment sought in federal court may not exceed 25% of the debtor&#8217;s disposable earnings each week. See the&nbsp;<a href=\"https:\/\/fiscal.treasury.gov\/cross-servicing\/awg\/awg-calculator.html\" target=\"_blank\" rel=\"noopener\">federal wage garnishment calculator<\/a>&nbsp;and the&nbsp;<a href=\"https:\/\/fiscal.treasury.gov\/files\/cross-servicing\/sf329c.pdf\" target=\"_blank\" rel=\"noopener\">wage garnishment worksheet<\/a>&nbsp;for more wage garnishment information.<\/li>\r\n<li><b>Employees can&#8217;t get fired because of wage garnishment.<\/b>&nbsp;Federal law protects you from getting fired simply because your wages are being garnished for a single debt. But, if your wages are being garnished for two or more debts, your employer may be able to fire you.<\/li>\r\n<\/ul>\r\n<h2>How To Avoid a Wage Garnishment Order<\/h2>\r\n<p>The best way to avoid a wage garnishment order is to start catching up on your debt before wage garnishment happens. Unfortunately, this is not always possible. If you know you may have trouble paying all your bills on time, you should contact your creditors. Many&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/your-options-when-you-can-t-repay-student-loans.html\">student loan administrators<\/a>&nbsp;have a variety of ways for you to avoid default, for example.<\/p>\r\n<p>A court order can&nbsp;<a href=\"https:\/\/www.findlaw.com\/family\/child-support\/child-support-modification\/\">modify child support<\/a>&nbsp;if you can show that you can no longer afford the payments. Also, the IRS and some state tax departments can help you schedule structured payments to&nbsp;<a href=\"https:\/\/www.findlaw.com\/tax\/tax-problems-audits\/the-irs-collection-process.html\">repay your back taxes<\/a>. Some banks and other private debts may be able to work out&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-negotiation-programs.html\">more affordable payment arrangements<\/a>.<\/p>\r\n<h2>Wage Garnishment Court Hearing<\/h2>\r\n<p>If you&#8217;re unable to work out an alternative arrangement and you see the notice for the wage garnishment hearing in the mail, don&#8217;t ignore it! Attend the hearing with an attorney if possible. Bring along any documentation you may have about the debt, including proof of attempted payments and attempts to negotiate a different payment schedule, as well as proof of your income and expenses.<\/p>\r\n<p>During the hearing, the judgment creditor will present their case, aiming to convince the court that you owe money and have failed to meet the required payments. You must prepare to counter their arguments and show your side of the story. The garnishee, typically your employer, may also be there to follow the court&#8217;s instructions.<\/p>\r\n<h2>Have Specific Questions About Wage Garnishment? Speak With an Attorney<\/h2>\r\n<p>When wage garnishment issues arise, it&#8217;s hard to determine how to proceed. A lawyer can help determine your rights and request accommodations so that your situation doesn&#8217;t worsen. Contact a local&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/employment-law-employee\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">employment law attorney<\/a>&nbsp;today for legal advice. A local&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">bankruptcy attorney<\/a>&nbsp;can also work with you on debt.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                 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order.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":357813,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2739],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-357844","page","type-page","status-publish","hentry","category-employment"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/357844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=357844"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/357844\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/357813"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=357844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=357844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=357844"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=357844"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=357844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}