1. What is Wage Garnishment in Alberta?

Wage garnishment in Alberta is a legal process where a portion of an employee's earnings is withheld by their employer to pay off a debt. In Alberta, the maximum that can be garnished is generally 50% of disposable income or the amount ordered by the court, whichever is less.

2. How Does Wage Garnishment Work?

The garnishment process involves:

Where:

• Disposable Income — Gross pay minus statutory deductions (CPP, EI, income tax)
• Court Ordered Amount — Specific amount ordered by the court (if applicable)

Explanation: Alberta law protects a portion of wages from garnishment to ensure debtors can meet basic living expenses.

3. Alberta Garnishment Rules

Details: Alberta follows federal guidelines under the Wage Garnishment Act, which limits garnishment to 50% of disposable earnings. Certain debts like child support may have different rules.

4. Using the Calculator

Tips: Enter your disposable income (after mandatory deductions). If you have a court order for a specific amount, enter that as well. The calculator will determine the maximum garnishment amount.

5. Frequently Asked Questions (FAQ)

Q1: What counts as disposable income?
A: Disposable income is gross pay minus mandatory deductions (CPP, EI, income tax). Voluntary deductions like RRSP contributions are not subtracted.

Q2: Are all debts subject to the 50% rule?
A: No, child support and alimony payments may have different garnishment limits. Student loans and taxes may also have special rules.

Q3: Can my employer fire me for wage garnishment?
A: No, Alberta law prohibits employers from terminating employment due to a single garnishment order.

Q4: How often is garnishment taken?
A: Typically each pay period until the debt is paid or the court order is satisfied.

Q5: Can I negotiate a lower garnishment amount?
A: You may be able to negotiate with the creditor or request a court review if the garnishment causes undue hardship.