THE Proven Resource for Handling Garnishment Issues! Complete Guide to Federal & State Garnishment, 2013 Edition by Amorette Nelson Bryant List Price: $359.00   Eligible for Free Standard Shipping on U.S. Prepaid Orders Imprint: Aspen Publishers ISBN: 9781454810254 Paperback: 1,408 pages Publication Cycle: Published annually Last Updated: 9/25/2012 Automatic Supplementation More Info. Available: Item ships in 3-5 Business Days

Complete Guide to Federal and State Garnishment provides much-needed clarity when the federal and state laws appear to conflict. You'll find plain-English explanations of the laws and how they interact, as well as the specific steps you and your staff need to take to respond to the order properly. Numerous detailed examples and mathematical calculations make it easy to apply the law under different scenarios. Written by Amorette Nelson Bryant, who was recently named the chair of both the APA GATF Child Support Subcommittee and Garnishment Subcommittee, Complete Guide to Federal and State Garnishment brings the payroll professional up-to-date on the latest federal and state laws and regulations affecting this ever-changing area. It is your one-stop source for answers to critical questions, such as: Does the amount exempt from garnishment change when the minimum wage goes up? How do I determine the wages to which the garnishment applies? If an employee is subject to more than one garnishment, which has priority? Which state's rules do I use when I receive a child support order sent from another state? State or federal law - which applies for creditor garnishment and support? Are there alternatives to remitting withheld child support via EFT/EDI? How do I handle garnishments when employees are paid a draw against salary? The 2013 Edition of Complete Guide to Federal and State Garnishment brings you up to date on the latest federal and state laws and regulations affecting this ever-changing area. Highlights include: A new child support matrix that shows at a glance the states that: require electronic payments; participate in electronic income withholding orders; require lump-sum reporting; accept standardized verification of employment information; and participate in the debt inquiry service Explanation of the new requirement mandating when you reject a child support order and return it to the sender after May 31, 2012 Which states now require new-hire reporting of independent contractors Additional data required by Illinois for new-hire reporting Statutory citations added to explanations of state child support provisions Updated exemption amounts for creditor garnishment in several states Why you may need to garnish all of an employee's wages for a tax levy Revised and updated priority information for multiple wage garnishments, including priority of the extension of a garnishment and a garnishment from a second creditor An easier means to report lump-sum payments that might be subject to withholding for child support New exemption figures for 2012 tax levies And much more! View the Highlights for this title. 1. Overview Why Garnish Wages and Income? Complexity of the Garnishment Process What to Do Frequent Mistakes Penalties for Noncompliance Recent Developments Third-Party Administrators Reporting Payments to Attorneys on Form 1099 2. Personnel Issues Confidentiality Descriptions on Payroll Records and Stubs Storage of Documents Contact with People Outside the Organization Potential for Violence Employee Protection from Employer 3. Administration of Garnishments Procedure Format Receipt of Garnishments Department Controls Providing Information to Courts or Creditors Steps to Take When a Garnishment is Received Retention of Records Special Situations Wage Attachments for Non-Employees Financial Institutions and Insurance Agencies Lump-Sum Payments and Garnishments Sarbanes-Oxley and Garnishments Additional Withholding per Employee's Request 4. Federal Child Support Enforcement Cash Withholding from Wages Legislative Background The Federal Agency Display of Social Security Numbers Withholding Order Reports or Messages to Support Agencies Income Withholding Order (IWO) . Authorization to Withhold Judicial Orders Administrative Orders Standardized IWO Service of Order Validate the Accuracy of the Withholding Order When to Begin Withholding Amount to Withhold for Child Support Earnings and Income Defined Calculation of Disposable Earnings for Child Support Comparing Allowable Disposable Earnings to Court-Ordered Amount Calculation of Orders Duplicate IWO Priority of Support (Type) Components More Than One Income Withholding Order Single Order: Cash Support and Medical Support Premiums Priority of Wage Attachments Administrative Fee . Special Situations When an Extra Payday Occurs in a Year Order Received for a Terminated Employee or a Person Never Employed Identifying Independent Contractors Employee Temporarily Receiving Pay from Other Source Qualified Domestic Relations Order (QDRO) When, Where, and How to Remit Ending Withholding Termination of Employment Protection and Penalties Employee Protection from Employer Employer Penalty for Noncompliance Employer Protection Other Methods for Collecting Child Support Future Changes 5. Child Support: State Provisions State Matrices 6. Federal Medical Child Support Withholding for Cash Medical Support Withholding for Medical Support Premiums Legislative Background National Medical Support Notice Form Requirements Employer Receipt of the NMSN Who Handles the NMSN Reasons to Reject the NMSN Administrator's Duties Employer Issues with the NMSN Proposed Changes to the NMSN Withholding for the Medical Support Priority of Withholding State Requirements Termination of Employment Termination of Coverage 7. State Medical Support: State Provisions 8. Federal Creditor Garnishment Administration Legislative Background Order to Withhold Service of Order What to Do When to Begin Withholding Amount to Withhold Guidelines Calculation of Disposable Earnings Change to Disposable Earnings Administrative Fee Exemptions from Withholding Interstate Creditor Seamen Student Assistance Priority of Wage Withholding When, Where, and How to Remit Changing or Stopping Garnishment Stopping the Deduction Request to Reduce or Discontinue Garnishments Termination of Employment Protection and Penalties Employee Protection from Employer Employer Penalty for Noncompliance Voluntary Wage Assignment Improper Attempts to Collect Debt State Action Federal Trade Commission Action 9. State Creditor Debt Garnishment, Tax Levy, and Wage Assignment Garnishment Trends Garnishment and ‘‘Payday Loans’’ Garnishment and Social Security Numbers State Garnishment Matrix State Levy Matrix 10. Federal Tax Levy Federal Tax Levy Legislative Background Order to Withhold Service of Levy When to Begin Withholding Amount to Withhold Income Subject to Levy Withholding Limits Levy Against Wages Without Exemptions Restrictions on Changes to Employee Deductions Administrative Fee Supplemental Payrolls Extra Pay Periods Tax Levy Calculations Payroll Deduction Agreement Other Payment Agreement Priority of Wage Withholding When, Where, and How to Remit Stopping a Levy Termination of Employment Recordkeeping Protection and Penalty Employee Protection from Employer Payor Penalty for Failure to Honor Levy Continuous Levy Program Tax Protestors Administration 11. Administrative Wage Garnishments History A. Higher Education Act (HEA) Defaulted Student Loans Types of Withholding Documents Service of Order Answer Requirements . "Disposable Pay" Defined When to Begin Withholding Amount to Withhold for Student Loans Priority of Withholding Administrative Fee When, Where, and How to Remit Stopping a Student Loan Garnishment Termination of Employment Employee Protection from Employer Employer Penalty for Noncompliance Administration B. Debt Collection Improvement Act of 1996 (DCIA) Federal Nontax Debts Service of Administrative Wage Garnishment When to Begin Withholding Amount to Be Garnished from Wages Disposable Pay(Earnings) Defined Priority of Wage Withholding Calculation When Another Garnishment Is Being Withheld More Than One Federal Agency Debt Effect of Bankruptcy Employee Election When, Where, and How to Remit Stopping Administrative Wage Garnishment Employer Penalty for Noncompliance Employee Protection from Employer 12. Bankruptcy Legislative Background Automatic Stay Chapter 7 Bankruptcy Employer's Obligation Under Chapter 7 13. Bankruptcy Employer's Obligation Under Chapter 13 When to Begin Withholding Amount to Withhold Administrative Fee Priority of Withholding When, Where, and How to Remit Discontinuance of Withholding Protection and Penalty Employee Protection from Employer Employer Penalty for Noncompliance Future of Bankruptcy Telephone Numbers for Bankruptcy Courts Appendix A: Glossary Appendix B: EFT/EDI Appendix C: Electronic Income Withholding Order (E-IWO) Appendix D: Debt Inquiry Service Appendix E: Answering Verification Requests Appendix F: State New Hire Reporting Requirements “This is by far the most informative book on garnishments that our payroll department uses.” Nate Hoke, Bunzl USA, Inc “I appreciate Amy Nelson Bryant's extensive research for the Complete Guide to Federal and State Garnishment because it results in a user-friendly publication that explains all those little details missing from other sources.” Denise Heifort, Payroll Administrator, Wells Mfg LP “Amy Bryant's Complete Guide to Federal and State Garnishment is great for finding information on different types of garnishments for each state and on bankruptcies.” Sharon Wells, Payroll Administrator Payroll Manager's Letter Dorinda D. DeScherer, Terence M. Myers Payroll Manager's Letter has been keeping payroll and HR professionals informed and up-to-date since 1985. This semi-monthly 8-page newsletter contains concise, plain-English explanations of the latest federal payroll developments: New tax laws and regulations IRS announcements, revenue rul more... Add to cart   |  Price: $399.00  |  PIN: 9900004600  |  Format: Paperback  Imprint: Aspen Publishers  Ginsberg and Martin on Bankruptcy, Fifth Edition Robert E. Ginsberg, Martin B. Dickinson, Susan V. Kelley The continued rise in bankruptcy filings, in combination with the ongoing effects of the Bankruptcy Abuse Prevention and Consumer Protection Act, makes Ginsberg and Martin on Bankruptcy, Fifth Edition , an invaluable resource for every attorney handling bankruptcy issues. Whether youR more... Add to cart   |  Price: $819.00  |  ISBN: 9780735575523  |  Format: Looseleaf  Imprint: Aspen Publishers  Qualified Domestic Relations Order (QDRO) Handbook, Third Edition Gary A, Shulman Widely recognized as the definitive work on the topic, Qualified Domestic Relations Order Handbook , written by Gary A. Shulman, turns the most confusing QDRO issues into clear answers and step-by-step guidelines. Drawing on years of experience, Shulman steers you past the QDRO pitfalls, with e more... Add to cart   |  Price: $355.00  |  ISBN: 9780735559769  |  Format: Looseleaf  Imprint: Aspen Publishers  Multistate Payroll Guide, 2013 Edition John F. Buckley 2013 Multistate Payroll Guide is a valuable tool designed to keep payroll professionals informed about all the complex rules that govern state payroll matters. This newest edition covers every key topic, including: Wage and Hours : Coverage includes the new federal minimum rates as well as t more... Add to cart   |  Price: $349.00  |  ISBN: 9781454810483  |  Format: Paperback  Imprint: Aspen Publishers  California Payroll Guide, 2013 Edition Valerie Alexander-Bailey California laws, regulations, and policies present many unusual challenges for payroll professionals, in part because California often puts groundbreaking laws and regulations on the books well ahead of the rest of the nation. California Payroll Guide helps you understand the nuances to stay f more... Add to cart   |  Price: $305.00  |  ISBN: 9781454825364  |  Format: Looseleaf  Imprint: Aspen Publishers  How the New 2013 Social Security Changes Affect You Joanne Mitchell-George How the New 2013 Social Security Changes Affect You is an easy - and inexpensive - way to make sure your HR and Payroll departments aren't inundated with time-consuming questions. Now, you can take a single, proactive step to ease employees' concerns, answer their questions, and help guarantee more... Add to cart   |  Price: $1.65  |  ISBN: 9781454808442  |  Format: Paperback  Imprint: Aspen Publishers  How to Make Sure You Have the Right Tax Withheld, 2013 Edition Joanne Mitchell-George The American Taxpayer Relief Act of 2012 brought about a welcome continuation of the income tax rates for most employees but didn’t extend the Social Security tax break that employees had the last two years. The net result is that most of your employees are experiencing a decrease in their ta more... Add to cart   |  Price: $1.65  |  ISBN: 9781454825821  |  Format: Paperback  Imprint: Aspen Publishers  Pennsylvania Payroll Guide, 2013 Edition Patrick J. McKenna Written in clear, non-legal language for payroll and financial managers, Pennsylvania Payroll Guide is the only all-in-one resource for employers that must comply with Pennsylvania's complex payroll laws. Filled with explanations, examples, and practical advice, this 1,800-page reference covers more... Add to cart   |  Price: $309.00  |  ISBN: 9781454808428  |  Format: Looseleaf  Imprint: Aspen Publishers  U.S. Master Payroll Guide, 2013 Edition CCH Editors The 2013 Edition of the U.S. Master Payroll Guide is designed to meet the needs of customers who handle their payroll internally, outsource their payroll, subscribe to an electronic payroll library, or who cannot afford a comprehensive payroll resource. It serves as a reference guide for find more... Add to cart   |  Price: $145.00  |  ISBN: 9780808034063  |  Format: Paperback  Imprint: Aspen Publishers  Wage and Hour Answer Book, 2013 Edition Littler Mendelson, P.C. The Wage and Hour Answer Book provides guidance that will save you valuable time and help you stay in compliance, including: Real-world, detailed examples that simplify complicated overtime pay, hours worked, and other calculations Tips and precautions to help you avoid non-compliance  more... Add to cart   |  Price: $325.00  |  ISBN: 9781454808541  |  Format: Hardcover  Imprint: Aspen Publishers  Wage-Hour Compliance Handbook, 2013 Edition Terence M. Myers, Dorinda D. DeScherer Wage-Hour Compliance Handbook: Practical Guide to Law and Administration is the most comprehensive reference available to payroll practitioners, human resource managers, and business owners. This one-of-a-kind reference includes plain-English explanations of the laws and how they affect you. Th more... Add to cart   |  Price: $399.00  |  ISBN: 9781454825845  |  Format: Looseleaf  Imprint: Aspen Publishers