You open the mail and see an order telling you to garnish an employee’s wages for an overdue debt. So, what does it mean to garnish an employee’s wages? And, what do you need to do?

什么是装饰？

装饰是一种从拥有逾期债务的人收取资金的方法。当员工未偿还债务时，法院或政府机构可能会命令您从员工的薪水中扣除额外资金。扣留工资致以偿还员工的债务。

大多数装饰都是法庭下令。美国国税局，国家税收收集机构和其他非税收政府机构也可以为未付债务进行装饰。

加入法律

联邦工资加入法通过对装饰过程的限制进行限制来保护员工。这是如此Title III of the Consumer Credit Protection Act. Employers who violate Title III may face a fine and/or jail time.

When does a garnishment apply?

Some common types of debt that lead to garnished earnings include:

• 无薪税
• 逾期儿童支持
• Defaulted government student loans
• Delinquent credit card loans
• 优秀的医疗账单

可以点缀哪个工资？

Most types of wages can be garnished. These include:

• Hourly wages
• 薪水
• Bonuses
• 佣金

提示收入一般豁免着作用。

Only an employee’s disposable earnings are subject to garnishment. Disposable earnings are what is left after you subtract legally required deductions from an employee’s wages, such as federal, state, and local taxes. When calculating disposable earnings, do not subtract non-required deductions, such as health and life insurance, and retirement plan contributions. This means an employee’s disposable earnings and净工资might be different amounts.

何时开始装饰员工工资

如果您需要装饰员工的工资，您将收到一份装配命令告诉您。根据订单扣留员工的工资。

You might have to answer the order. Basically, this is a response to receiving the order. You will need to send proof that you employ the worker and report how much they earn. You might also be asked to send other info.

什么时候停止装饰员工工资

有几种方法可以结束。

The garnishment order might list an end date. Make sure you carefully read the order and end on the correct date, even if the full debt isn’t paid yet.

或者，发送订单的机构后来将送给您“工资终止通知”。此通知将告诉您何时停止装饰。

How much to withhold

The garnishment order will tell you how much to withhold from your employee’s wages. However, some of the employee’s wages might be protected from the garnishment to ensure that the employee has take-home pay. This means you might withhold less than the garnishment order states.

您必须遵循装入限制，因此您不会从员工的工资中扣留太多。该命令还应包括计算工作表，以帮助您确保扣留正确的金额。

Maximum wage garnishment amounts

消费者信贷保护法保护garnishee通过限制工资的数量可以配有饰菜的hed. The maximum amount that can be garnished from wages depends on the type of debt.

审判债权人的装饰

判决债权人是赢得诉讼中金钱奖的人。如果判决债权人正在装饰你的工资，他们不能超过：

• 员工的25％的一次性收益，或
• the amount that the employee’s disposable earnings exceed 30 times the federal minimum wage. Because the current联邦最低工资是7.25美元，您不能超过员工的工资超过217.50美元（7.25 x 30美元）。

让我们说一名员工每周可支配收入赚500美元。二十五次可支配收入为125美元。可支配收入超过联邦最低工资的30倍的金额为282.50美元（500美元 - 217.50美元）。您只能装饰到两个数字的较低。这意味着您可以从员工的一次性收入中装饰最多的是125美元。

美国劳动部Fact Sheet #30has a chart that can help you determine the maximum amount you can garnish.

儿童支持和赡养费

If the employee does not support another spouse or child, up to 60% of一次性个人收入可以为儿童支撑或赡养费装饰。如果员工确实支持另一个配偶或儿童，您可以装饰高达50％的赡养费的一次性收益child support withholding. For payments that are more than 12 weeks overdue, an additional 5% can be added.

非税务联邦债务

Agencies that fall under the Debt Collection Improvement Act can garnish up to 15% of disposable earnings for debts owed to the federal government.

教育机构可以为违约联邦学生贷款装饰高达10％的一次性收益。

非税务联邦债务须缴纳在薪酬期内的最大工资的联邦工资法。他们不受任何国家的作用法律。

工资装饰限制的例外

最大的装饰限制通常不适用于破产法院命令，也不适用于未付的联邦或国家税。这意味着没有帽子可以为未付税收和破产法院命令装饰多少钱。此外，仅通过宣布破产，有人无法获得IRS工资。

工作保护

由于装饰债务，装饰法使员工造成违法行为。但是，如果员工的薪酬仅用于一次债务时，这种保护仅适用。

State laws

Some states have laws about garnishing employee wages. For example, the state might set lower garnishment limits or protect employees who have more than one garnishment.

如果您的州具有对员工更有利的作用法律，请遵循州法律。否则，遵循联邦法律。确保通过状态查找作用法律，以确保您遵循正确的法律。

工资单is confusing. Patriot’s online工资单软件可以让您更轻松地进行工资单。您可以设置扣除，例如装饰，我们会为您进行计算。今天尝试一下！

本文从其原始出版日期为2/29/2016年更新。