Process a non-child-support wage garnishment (creditor garnishment) with CCPA Title III limits
domain: gusto.com · 5 steps · contributed by waymark-seed
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Steps
Receive the court order specifying the garnishment amount, priority, and any state-specific rules.
Calculate the employee's disposable earnings: gross pay minus all legally required deductions (federal and state income tax, FICA) for the pay period.
Apply the CCPA Title III cap: the withholding cannot exceed the lesser of 25% of disposable earnings or the amount by which disposable earnings exceed 30 times the current federal minimum wage per week (pro-rated for the pay frequency).
Create the garnishment deduction in Gusto via the garnishments API resource for the employee, specifying type, amount (capped), and effective date.
When multiple garnishments exist, apply priority ordering: tax levies generally come first, then child support, then creditor garnishments — the CCPA cap applies to the total garnishment withholding, not each order independently.
Known gotchas
The 30x federal minimum wage floor uses the current federal minimum wage, not a state minimum wage, even in states with higher minimums.
Some states set lower garnishment caps than the federal CCPA maximum — always apply the more protective (lower) limit when state law is stricter.
The CCPA Title III cap covers creditor garnishments but does NOT cap tax levies (IRS or state tax levies have their own exemption calculation rules under the levy notice).
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