How many creditors can garnish ones check?

Answer 1

A garnishment is a legal judgement issued by court order. Thee is no prescribed maximum number of garnishments allowed. But the law sets the maximum AMOUNT that may be garnished in any workweek or pay period, regardless of the number of garnishment orders received by the employer. For ordinary garnishments (i.e., those not for support, bankruptcy, or any state or federal tax), the weekly amount may not exceed the lesser of two figures: 25 percent of the employee's disposable earnings, or the amount by which an employee's disposable earnings are greater than 30 times the federal minimum wage (currently $5.15 an hour). For illustration, if the pay period is weekly and disposable earnings are $154.50 ($5.15 X 30) or less, there can be no garnishment. If disposable earnings are more than $154.50 but less than $206.00 ($5.15 X 40), the amount above $154.50 can be garnished. A maximum of 25 percent can be garnished, if disposable income earnings are $206.00 or more. When pay periods cover more than one week, multiples of the weekly restrictions must be used to calculate the maximum amounts that may be garnished.

Hope this helps.

Answer 2

You can have several at one time. The creditors can either wait til the previous creditor is paid or they can share the maximum withheld for garnishment.
The Consumer Credit Protection Act protects consumers from being terminated for garnishment of only one creditor. If you have more than one creditor at a time garnishing your paycheck, the law will not protect you.
Each state has their own laws on how much, if any, can be garnished from each paycheck. Payments such as back taxes, child support or federal loans can be withheld at a higher percentage. Also, if you have these types of debt, they have priority over ordinary consumer debt.

Answer 3

Douglas is correct but he leaves out a few things.

Only one garnishment can be in effect at any time. Therefore, if there are (for example) 3 people garnishing you, the first person will get paid first. Once paid off, the next person in line gets paid.

At no time can they take out more then the STATE maximum amount. Note that each state has different rules. Some will allow more then the 25% stated by Douglas....while other ban wage garnishment altogether (Texas for example).

Answer 4

the quantity of pay concern to garnishment is in step with an workers "disposable earnings" that's the quantity left after legally required deductions have been made for federal, state, and native taxes, Social protection, unemployment coverage, and State worker retirement platforms. different deductions, which includes those for union dues, wellbeing and life coverage, contributions to charitable reasons, voluntary salary assignments, purchases of value reductions bonds, and money to employers for payroll advances or purchases of merchandise, at the instant are not required via regulation and is probably not subtracted from gross earnings while calculating the quantity of disposable earnings. The regulation gadgets the utmost quantity which will nicely be garnished in any artwork week or pay era, in spite of the form of garnishment orders gained via the organisation. the quantity would possibly not exceed the lesser of those 2 figures: 25% of the employees disposable earnings the quantity such as 30 cases the federal minimum salary particular regulations stick to to court docket orders for new child help or alimony. The garnishment regulation facilitates as much as 50 p.c. of a workers disposable earnings to be garnished if the worker helps yet another companion or new child, and as much as 60 p.c. for a worker who isn't. one extra 5 p.c. might nicely be garnished for help money extra effective than 12 weeks in the back of.

Answer 5

only one at a time...............