A paycheck is the best thing about working, and that is the reason why it is one of the most important things in our lives today for most people. A person would feel less inclined when they open their paycheck and find out that part of it has been garnished due to that reason. Before we go any deep, you need to understand what administrative wage garnishment means for you to know how to deal with such a situation when you come across in future. The situation that occurs when the court orders your employer to cut off some amount of money from your monthly salary and pay the amount directly to the creditor is referred to as administrative wage garnishment. When you have an overdue debt to a creditor or any other person that you owe money; administrative wage garnishment is most likely to come your way in most cases.
In the world we live in today, child support and students loans are some of the most common reasons that can lead to administrative wage garnishment. When a court orders that a certain amount of money is deducted from your administrative wages on a monthly basis, your employer will do exactly that until your debt is fully settled or if you resolve it in other ways. Today, there are several different types of administrative wage garnishments that can happen to a person. When you are facing administrative wage garnishment; you can lose up to twenty five percent of your gross income after the deduction of taxes and health premiums have been done. Administrative wage garnishment as a result of child support can cut up to fifty percent of your gross income after the taxes and health premiums among other have been deducted.
When you are facing a administrative wage garnishment, you have some rights as an individual to challenge the decision. For that reason, you will be issued with a legal notice n advance before the garnishment for you to get the time to challenge the decision. The main reason why you will give a chance to challenge the garnishment is to allow you a chance to defend your case if you feel that you don’t owe the much of the money mentioned on the notice or you feel that you do not owe the debt at all.
You need to request a hearing first when you want to challenge the administrative wage garnishment. For you to request a hearing, you may need to have a valid reason as mentioned earlier. When you face a administrative wage garnishment, there are several negative impacts that you may experience, and that is the reason why you need to request a hearing if you feel like there are some irregularities in the filed case.