Betty's Section 9 Quiz Garnishments

Question 1

Pat is one of my fine employees. He earns $750 per week.
His deductions are:
FIT $60;
FICA $53;
City $15;
State $30;
Medical $50
What are his disposable earnings?

Answer 1

Gross minus taxes $592 (Not medical)

Question 2

Question: What are his disposable earnings?
Answer: 750 – (60+53+15+30) = 592

He has two child support orders in place.
One order is for $150.30 per week for current support and $50 per week arrearage.
The second order is for $175.30 per week for current support and $25 per week arrearage

Question: How much can we deduct from Pat’s paycheck for child support?
Answer: 592 x .55 = 325.60 (The limit that applies here is 55% - you know that he is supporting two families since he has two support orders so we are limited to 50% and cannot take the additional 10%. He is in arrears so we can take an additional 5%)

Answer 2

325.60

Question 3

Question: How much can we deduct from Pat’s paycheck for child support?
Answer: 592 x .55 = 325.60 (The limit that applies here is 55% - you know that he is supporting two families since he has two support orders so we are limited to 50% and cannot take the additional 10%. He is in arrears so we can take an additional 5%)

Question: In Ohio I must honor all current support before meeting arrearage obligations.
So - How do I split that 325.60?
Answer: Each order will get their current support only, $150.30 and $175.30, there is nothing left for his arrearage.

Question 4

Today I received a notice that Pat filed for chapter 7 bankruptcy. Does this affect his child support obligations?

Answer 4

No. (ok, it’s kind of a trick question. Chapter 7 doesn’t discharge support. This really happened, though)

Question 5

Today I received a garnishment from a court for Pat. Can I deduct anything for this garnishment?

Answer 5

No. Child support already has more than 25% taken

Question 6

Walter has a child support order for current support only for $30 per week.
Walter’s wages are $650 per week. He is claiming single with no exemptions
Walter’s deductions are:
FIT $25
FICA $46
City $12
State $15
Credit Union $10
United Way $2

Answer 6

Question: What are Walter’s disposable wages?
Answer: $650 – (25+46+12+15) = $552

Question 7

Walter has a child support order for current support only for $30 per week.
Walter’s wages are $650 per week. He is claiming single with no exemptions
Walter’s deductions are:
FIT $25
FICA $46
City $12
State $15
Credit Union $10
United Way $2

Question: What are Walter’s disposable wages?
Answer: $650 – (25+46+12+15) = $552

Question: Can I deduct the child support order?

Answer 7

Answer: Yes, it does not exceed 60% of his wages (assuming no other family since he’s single)

Question 8

Question: What are Walter’s disposable wages?
Answer: $650 – (25+46+12+15) = $552

Question: Can I deduct the child support order?
Answer: Yes, it does not exceed 60% of his wages (assuming no other family since he’s single)

I have now received a Dept of Education garnishment against Warren requiring me to withhold 15% of his disposable wages for an unpaid student loan.
Question: How much can I withhold for this order?

Answer 8

Answer: 15% would be 82.80. However I am already withholding $30 for child support which takes priority. Therefore the Dept of Education gets $52.80.

Question 9

I have now received another child support order for Warren for $60 per week, all of it current support also.

Question: How does this affect the amount withheld for the first child support order?
Answer:

Answer 9

It doesn’t. 50% of his disposable wages are subject to child support garnishment (there is another family, but no arrears), so we can take up to $276 for child support. There is enough to satisfy both orders. I will withhold $90 per week.

Question 10

Question: How does this affect the amount withheld for the first child support order?
Answer: It doesn’t. 50% of his disposable wages are subject to child support garnishment (there is another family, but no arrears), so we can take up to $276 for child support. There is enough to satisfy both orders. I will withhold $90 per week.

How does this affect the Dept of Education garnishment?

Answer 10

There are no funds available for this garnishment now. 15% is 82.80 and the child support exceeds that.