| Wage Garnishment means to deduct some | | | | wages to make the payments. Presently four |
| amount from the employee's salary or to limit his | | | | states in USA do not allow garnishment except |
| salary when an employee stops the payments of | | | | they are to pay the taxes. At some places if the |
| creditors. He starts this procedure after receiving | | | | debt is due to child support or other dependent, |
| court's orders. In this order the debtor's owed | | | | wage garnishment can not be applied. Wage |
| property and his salary is mentioned. It is a | | | | garnishment can be avoided of a debtor |
| powerful tool for a creditor to get his money | | | | negotiates with a creditor for Loans. |
| back from the debtor. Sometimes this process | | | | Title 3 of the Consumer Credit Protection Act |
| puts the debtor in trouble as he is not able to | | | | (CCPA) does not permit the employer to |
| meet his expenses after garnishment. A creditor | | | | discharge the employee because his salary has |
| can garnish your wages or the property only | | | | been subject to any one of his debt ignoring the |
| after sending you the notice. | | | | fact how many attempts have been made to |
| He will mention in that notice a clear statement | | | | collect it. The employee can not be saved from |
| authorizing him for garnishment, a description of | | | | being discharged if his earnings are subject to |
| exemption means what a creditor can not take | | | | garnishment for a second debt. Generally, the |
| during garnishment and the steps to follow at the | | | | wages like salaries, commissions, bonuses pension |
| time of garnishment. Creditor represents all these | | | | income and retirement income can also be |
| documents to the employer and orders him to | | | | garnished. Tips are not garnished as garnishment |
| check out the employee's payroll. Law instructs | | | | law does not consider it as an income. |
| the employee to withhold certain amount from his | | | | Title 3 limits the amount of earnings that may be |
| salary. Wage garnishment can be only if the | | | | garnished in any workweek. The amount is limited |
| debtor is working steadily at the minimum hourly | | | | by federal law lesser than 25% of disposable |
| wages and there are not any other claims against | | | | earnings or the amount by which the disposable |
| your wages. You should not ignore the court | | | | items are greater than 30 times. The deductions |
| orders otherwise you will be in trouble. | | | | like health insurance, life insurance and charitable |
| Garnishment is a part of the payroll process. | | | | contributions can not be used for disposable |
| Sometimes, there is not enough money in the | | | | income. This limit is not concerned with how many |
| employee's net pay to pay the debt like federal | | | | garnishment orders an employer has received. |
| tax, local tax and credit card garnishments. In | | | | Wage garnishment continues until the whole |
| such cases the employer gets a notice to | | | | amount of debt is paid or other arrangements are |
| withhold a certain amount of their employee's | | | | made to clear it. |