Is My Employer Notified About Wage Garnishment?

Yes, your employer is notified about a wage garnishment unless your pursue garnishment exemptions. It's the only way a wage garnishment can happen. The wage garnishment is money taken out of your paycheck to pay off creditors, back child support or unpaid takes. Thus, your employer must be notified so they can subtract the money from your wages. It's important to know that your employer can't fire, demote or refuse to promote you just because you have money taken out of your paychecks to repay creditors. However, you still may not want your employer knowing your financial business or want money taken out of your paychecks.

Once Your Employer Receives Notice of a Wage Garnishment Money is Deducted

Your employer continues to the money out of your paycheck until the debt is paid. The money is subtracted out your weekly, bi-weekly or monthly pay after all other deductions are taken out. These deductions include local, state and federal taxes and any health insurance.

Wage Garnishment Limits

The federal law prohibits creditors from garnish more than 25 percent of your paycheck. However, there is a garnishment limits. Since a wage garnishment depends on disposable income, you must be left with a weekly about that is equal to 30 times the court federal minimum wage, according to Nolo. As of 2009 this means that you can keep approximately $154.50 per week. Also, the 25 percent is of all creditors. Thus, if one creditor garnishes the entire 25 percent, then no other creditors can garnish your wages.

A Wage Garnishment is a Way to Keep Your Employer from Taking Money out of Your Checks

To protest a wage garnishment means that you are seeking a wage garnishment exemption. This means you go to your local court and file the required paperwork. Then you plead your case to a judge and present evidence such as monthly bills and paychecks. If a judge agrees that you need the money that is deducted from your pay, then the garnishment will be stopped. Thus, your employer doesn't have to take money out of your paychecks.

Seek Legal Assistance with Wage Garnishments

If you're facing a wage garnishment, talk to a lawyer specializing in wage garnishments. The lawyer can tell you all the options you have regarding wage exemptions.