Wage Garnishment Order Reviewer
A garnishment order that looks routine can still expose the employer - when a creditor levy is withheld in full while a child support order already claims most of the CCPA Title III cap, or disposable earnings are figured off gross instead of net. This assistant checks each order against the federal and state withholding ceiling, the priority among competing orders, and the correct disposable-earnings base, flagging the ones to hold. Every order lands as one row with a withhold-or-hold call.
Category: Human Resources
How it works
- A garnishment order arrives - child support, IRS or state tax levy, creditor judgment, or student loan - and triggers the assistant.
- It calculates disposable earnings, applies the CCPA Title III ceiling and any stricter state limit, and ranks the order against any garnishments already in force.
- It returns a decision - withhold as ordered, adjust the amount, or hold for review - with the deduction figure and the rule or competing order behind each flag.
- Every order lands as one row in your payroll queue for HR or payroll to approve before the next run.
Key benefits
- Stop over-withholding past the federal and state garnishment ceiling
- Resolve competing orders by correct priority before deductions stack
- Compute the deduction off true disposable earnings, not gross pay
- Give every garnishment order one consistent review before payroll runs
Use cases
- Payroll teams processing garnishment and levy orders across employees
- HR and people ops enforcing wage-withholding compliance
- Finance and shared-services centers running multi-state payroll
- Employers managing competing child support, tax, and creditor orders
Good to know
No external connection - your orders, employee pay data, and deduction calculations stay in your workspace. The assistant reviews and recommends; it never sets up a deduction or releases a payment on its own. An HR or payroll reviewer approves every order.
Frequently asked questions
How does the Wage Garnishment Order Reviewer handle competing orders like child support and a creditor levy?
It ranks each order by legal priority (child support first, then tax levies, then creditors) and checks the total against the CCPA Title III cap, flagging any order that would push deductions over the limit.
Do I need to connect any external payroll system to use this assistant?
No, it works entirely within your Gaia workspace using your own employee pay data and order records - no external integrations are required.
Does this assistant automatically deduct garnishment amounts from employee pay?
No, it only reviews and recommends a withhold-or-hold decision; a human in HR or payroll must approve every order before any deduction is applied.
How does it calculate disposable earnings for garnishment purposes?
It uses the correct disposable-earnings base (net pay after mandatory deductions) and applies both the federal CCPA Title III ceiling and any stricter state limit to determine the maximum withholdable amount.
Can I customize the review rules for specific state laws or company policies?
Yes, the assistant's logic can be adjusted within your Gaia workspace to reflect state-specific withholding limits or internal priority rules, though the base review follows federal and standard state guidelines.
