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OnDemand Course

Texas Wage Garnishment

Employees can get very upset when their paycheck is not what they expected. Sometimes they can be embarrassed that they have a personal issue that bleeds over into their place of employment, and may worry how that will affect their job or future opportunities. Understanding how to process orders of support and tax levies, knowing what the limits are on wages that can be garnished and being prepared to answer questions from employees on how you calculated their disposable pay will be invaluable the next time you are faced with a garnishment. You will walk through examples and calculations for accurate payroll deductions for garnishments.


Runtime: 60 minutes
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Why Lorman?

Over 33 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Agenda

What Is a Garnishment?

  • Levy or Wage Attachment
  • Child Support
  • Tax Levy
  • Student Loans
  • Bankruptcy
  • General Creditor Debts
  • Civil Actions

Federal Laws and Agencies

  • Federal Garnishment Law
  • IRS and Treasury Regulations
  • Higher Education Act
  • Debt Collection Improvement Act
  • Bankruptcy Act
  • Office of Child Support Enforcement, a Division of U.S. Department of Health and Human Services
  • Personal Responsibility and Work Opportunity Reconciliation Act
  • Family Support Act
  • Uniform Interstate Family Support Act

What Is Allowed in Texas?

  • Texas Family Code
  • Texas Payday Act

Does Federal or State Law Have Precedence?

Prohibitions Against Discharge

  • CCPA Due to a Single Indebtedness

Limits on Pay That May Be Garnished and Calculation Examples

  • Disposable Earnings Less Than 30 Times Federal Minimum Wage
  • CCPA Child Support
  • CCPA General Creditor
  • HEA Delinquent Student Loans Limited to 15 Percent, Along With Aggregated Limit of 25 Percent Under CCPA

Computing Disposable Pay Under the CCPA

  • What Is Included in Earnings?
  • How Often Do You Need to Recalculate Disposable Pay?

Calculation of Federal Garnishment Limits

Steps to Process a Garnishment

  • Determine the Correct Amount to Be Withheld
  • Confirm Validity Under State Law
  • Verify Amount of Claim
  • Determine If Amount Is Within Legal Limits
  • Prioritize Multiple Garnishments
  • Notify Employee

Support Garnishments Under Texas Family Code

  • 50 Percent of Disposable Earnings Are Exempt From Support Withholding
  • Wages, Salaries, Commissions, Bonuses, Tips, Severance, etc. Are Earnings Subject to Support Withholding
  • Employer Is Required to Enroll Child in Health Coverage
  • Employer Is Required to Withhold Premium
  • Must Begin Support Withholding at the First Pay Period Following Delivery of the Order
  • Must Remit Subsequent Payment on the Employee's Pay Date
  • Support Payments Have Priority; Multiple Orders Pay Equal Amounts; Child Support Has Priority Over Spousal Maintenance
  • Monthly Administrative Fee Not to Exceed $10

Enforcement and Liabilities:

  • Wage and Hour Division
  • Fines and Imprisonment
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Why Lorman?

Over 33 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Credits

OnDemand Course

This course was last revised on January 27, 2011.

Call 1-866-352-9540 for further credit information.

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

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Why Lorman?

Over 33 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Faculty

Ruth Seiler Rock

Ruth Seiler Rock

Staff Managers, Ltd. Co.

Ruth Seiler Rock, M.B.A., SPHR, CCP

  • More than 25 years experience in the human resources field
  • Her company, Staff Managers, Ltd. Co., established in 1995, provides high quality, cost efficient outsourced human resources services for a variety of local and international companies, including EOG Resources; Dynegy; Advanced Micro Devices; Bank One; TotalFinaElf; OakBend Medical Center; Arnoni Aviation; Southern Newspapers; Newfield Exploration; Sysco Foods; Aker Kvaerner; Houston Police Department; Sinopec; Tadano America Corp. a division of Mitsubishi; and MHMRA of Harris County.
  • Instructor in continuing education at both Rice University and University of Houston
  • Certified both as a Senior Professional in Human Resources and a Certified Compensation Professional, and is a past-president of HRHouston
  • Held management positions at some of Houston’s largest employers, namely Houston Lighting and Power, and Enron
  • Contributed to publications such as the Houston Business Journal, Houston DBA and the Houston Chronicle
  • Served on the Bureau of National Affairs Personnel Policies Forum, the Human Resource Advisory Board of Houston, the Baptist University’s College of Business and Economics and the Human Resources Institute
  • M.B.A. degree, The University of Tennessee; bachelor’s degree, The State University of New York
  • Can be contacted at [email protected]
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Why Lorman?

Over 33 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

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Product ID: 387220
Published 2011
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