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Home > Law > Other Law   »   NJ Garnishment Law

 
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Old Sep 9, 2008, 04:27 PM
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NJ Garnishment Law

I sure hope someone can clarify something for me. I have looked over the web, and cant find what I am looking for..My daughter was sued by a Dr for unpaid bills of roughly $4500. This was a result of a botched surgery, but that is another matter. Anyway, I know NJ excludes app $195 per week. She is part time and is paid every 2 weeks. Her average gross for the 2 weeks is $500-$600. Her employer said that the 10% is based on the full amount..I would have assumed that the $195 per week would be excluded..Can someone with knowledge of the law give us an answer..Thanks so much, Rich

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Old Sep 10, 2008, 05:47 AM   #2  
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Originally Posted by rpilote
I sure hope someone can clarify something for me. I have looked over the web, and cant find what I am looking for..My daughter was sued by a Dr for unpaid bills of roughly $4500. This was a result of a botched surgery, but that is another matter. Anyway, I know NJ excludes app $195 per week. She is part time and is paid every 2 weeks. Her average gross for the 2 weeks is $500-$600. Her employer said that the 10% is based on the full amount..I would have assumed that the $195 per week would be excluded..Can someone with knowledge of the law give us an answer..Thanks so much, Rich


Here's the law - I see nothing about NJ excluding $195/week - it follows both Federal AND NJ Statutes and those are the citations:

"10% gross 25% of disposal earnings whichever is less but no execution on gross wages of $154.50 or less a week (Source: 15 USC, 1671 et seq,: 29 C. F. R., 5870; N.J.S.A. 2A: 17-50). "
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Old Sep 10, 2008, 06:15 AM   #3  
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The law is 30 times the minimum hourly wage, which totals $196.50 weekly, so I believe that amount is excluded..The law firm representing the plaintiff is Pressler and Pressler LLC..They have tons of complaints filed against them, as well as a petition to the governor for an investigation into unlawful practices. If I am wrong in this, than will somebody please correct me.. Thanks, Rich
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Old Sep 10, 2008, 06:17 AM   #4  
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Judy quoted the law to you. Where do you get 30 x minimum wage calculation?
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Old Sep 10, 2008, 07:40 AM   #5  
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10% gross 25% of disposal earnings whichever is less but no execution on gross wages of $154.50 or less a week (Source: 15 USC, 1671 et seq,: 29 C. F. R., 5870; N.J.S.A. 2A: 17-50). This is a bit outdated, but when this was printed, it was 30x minimum wage..Rich
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Old Sep 10, 2008, 10:41 AM   #6  
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Quote:
Originally Posted by rpilote
10% gross 25% of disposal earnings whichever is less but no execution on gross wages of $154.50 or less a week (Source: 15 USC, 1671 et seq,: 29 C. F. R., 5870; N.J.S.A. 2A: 17-50). This is a bit outdated, but when this was printed, it was 30x minimum wage..Rich

What I quoted is not outdated. You have quoted a 1970 law.
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Old Sep 12, 2008, 01:24 PM   #7  
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Hi Judy, does that mean that if she makes $5.00 over the exclusion she pays a percentage of the full pay, or is it total pay minus the exclusion? Thanks, Rich
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Old Sep 12, 2008, 01:50 PM   #8  
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Originally Posted by rpilote
Hi Judy, does that mean that if she makes $5.00 over the exclusion she pays a percentage of the full pay, or is it total pay minus the exclusion? Thanks, Rich

It reads ""10% gross 25% of disposal earnings whichever is less but no execution on gross wages of $154.50 or less a week (Source: 15 USC, 1671 et seq,: 29 C. F. R., 5870; N.J.S.A. 2A: 17-50). "


So - if she makes LESS than $154.50 a week (one penny less, in fact), no garnishment can be accepted by her employer who would send the papers back with that explanation.

If she makes MORE than $154.50 a week (also by one penny) 10% of her gross OR 25% of her disposable income would be taken.

No, the $154.50 is not an exclusion, it's a base amount.

I know exactly what you are asking and it's a good, sound question. How to phrase an answer? How about this - the $154.50 isn't a DEDUCTION from her income, it's just a minimum amount.

Does that make sense?
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Old Sep 12, 2008, 02:08 PM   #9  
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Now I understand..Thank you very much..even though I may not agree with the law..$.01= $15+ in garnishment..Thanks, Rich

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JudyKayTee agrees: I know EXACTLY what you are saying - NJ must get tips from IRS!
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