您打开邮件，查看订单告诉您为逾期债务制作员工的工资。那么，装饰员工的工资是什么意思？而且，你需要做什么？

What is garnishment?

Garnishment is a method of collecting money from a person who has overdue debts. When an employee has unpaid debts, a court or government agency might order you to withhold extra money from the employee’s paycheck. The withheld wages go toward repaying the employee’s debts.

Most garnishments are court ordered. The IRS, state tax collection agencies, and other non-tax government agencies can also order garnishments for unpaid debts.

Garnishment laws

Federal wage garnishment law protects employees by placing restrictions on the garnishment process. This is done under消费者信贷保护法的III。违反III III的雇主可能面临罚款和/或监禁。

什么时候适用？

导致装饰收入的一些常见类型的债务包括：

• Unpaid taxes
• Overdue child support
• 违约政府学生贷款
• 违法的信用卡贷款
• Outstanding medical bills

Which wages can be garnished?

大多数类型的工资都可以点缀。这些包括：

• 每小时工资
• Salaries
• 奖金
• Commissions

Tip incomeis generally exempt from garnishments.

只有员工的一次性收入才会受到装饰。在减去员工工资的合法要求扣除后，一次性收益是剩余的，例如联邦，州和地方税。在计算一次性收益时，请勿减去不需要的扣除，例如健康和人寿保险，退休计划捐款。这意味着员工的一次性收益和net pay可能是不同的金额。

When to start garnishing employee wages

If you need to garnish an employee’s wages, you will receive a garnishment order telling you so. Withhold the employee’s wages according to the order.

您可能必须回复订单。基本上，这是对收到订单的回应。您需要发送证明您雇用的工作人员并报告他们的赚多少钱。您也可能被要求发送其他信息。

When to stop garnishing employee wages

There are a few ways that a garnishment might end.

装饰订单可能列出结束日期。确保您仔细阅读订单并在正确的日期结束，即使尚未支付全债。

Or, the agency that sent the order will later send you a “Notice of Termination of Wage Garnishment Order.” This notice will tell you when to stop the garnishment.

扣留多少钱

装饰令将告诉您扣留员工的工资多少钱。但是，一些员工的工资可能免受该职位保护，以确保员工收到房屋。这意味着您可能拒绝少于装饰令状态。

You must follow the garnishment limits so you do not withhold too much from the employee’s wages. The order should also include a calculation worksheet to help you make sure you withhold the correct amount.

最大工资加入金额

The Consumer Credit Protection Act protects theGarnishee.by limiting the amount of wages that can be garnished. The maximum amount that can be garnished from wages depends on the type of debt.

Garnishments for judgment creditors

A judgment creditor is someone who wins a monetary award in a lawsuit. If a judgment creditor is garnishing your wages, they cannot take more than:

• 25% of the employee’s disposable earnings, or
• 员工一次性收益的金额超过联邦最低工资的30倍。因为当前federal minimum wage是7.25美元,你不能带的量多吗employee’s wages exceed $217.50 ($7.25 x 30).

Let’s say an employee earns $500 in disposable income per week. Twenty-five percent of the disposable income is $125. The amount that the disposable income exceeds 30 times the federal minimum wage is $282.50 ($500 – $217.50). You can only garnish up to the lower of the two numbers. This means the most you can garnish from the employee’s disposable income is $125.

U.S. Department of Labor事实表＃30有一个图表，可以帮助您确定您可以装饰的最大金额。

Child support and alimony

如果员工不支持另一个配偶或儿童，高达60％disposable personal incomecan be garnished for child support or alimony. If the employee does support another spouse or child, you can garnish up to 50% of disposable earnings for alimony or儿童支持扣缴。对于超过12周逾期的付款，可以添加5％的额外5％。

Non-tax federal debts

债务收集改善法案下降的机构可以为联邦政府欠债务的债务购买高达15％的一次性收益。

Department of Education agencies can garnish up to 10% of disposable earnings for defaulted federal student loans.

Non-tax federal debts are subject to federal garnishment laws for maximum wages garnished in a pay period. They are not subject to any state garnishment laws.

Exceptions to wage garnishment limits

Maximum garnishment restrictions typically do not apply to bankruptcy court orders nor to unpaid federal or state taxes. That means there is not a cap on how much can be garnished for unpaid taxes and bankruptcy court orders. Also, someone cannot get IRS wage garnishment help simply by declaring bankruptcy.

Job protection

Garnishment laws make it illegal to fire an employee because of a garnished debt. However, this protection only applies if an employee’s pay is garnished for only one debt.

国家法律

有些国家有关于装饰员工工资的法律。例如，国家可能会设定较低的装饰限制或保护有多个装饰的员工。

If your state has garnishment laws that are more favorable to your employee, follow state laws. Otherwise, follow the federal laws. Make sure you look up garnishment laws by state to make sure you follow the correct laws.

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This article is updated from its original publication date of 2/29/2016.