1. What is Wage Garnishment?

Wage garnishment is a legal procedure where a portion of a person's earnings is withheld by an employer for the payment of a debt. This calculator helps determine the monthly amount based on an annual garnishment order.

2. How Does the Calculator Work?

The calculator uses a simple formula:

Where:

• Annual Garnishment — The total amount to be garnished in a year (in dollars)
• 12 — Number of months in a year

3. Importance of Garnishment Calculation

Details: Understanding your monthly garnishment helps with financial planning and ensures compliance with court orders or debt repayment plans.

4. Using the Calculator

Tips: Enter the total annual garnishment amount in dollars. The amount must be greater than zero.

5. Frequently Asked Questions (FAQ)

Q1: What is the maximum amount that can be garnished?
A: Federal law limits garnishment to the lesser of 25% of disposable earnings or the amount by which weekly wages exceed 30 times the federal minimum wage.

Q2: Are all debts subject to garnishment?
A: No, only certain types of debts like child support, alimony, taxes, and court-ordered judgments typically qualify for wage garnishment.

Q3: How long does wage garnishment last?
A: It continues until the debt is paid in full or the court order is modified or terminated.

Q4: Can I challenge a wage garnishment?
A: Yes, you may be able to challenge it in court if you believe it's improper or causes undue hardship.

Q5: Does this calculator account for state-specific limits?
A: No, this provides a basic calculation. Some states have different garnishment limits that may affect the actual amount.