New York State Garnishment Laws

New York State garnishment laws are in place to protect employees from having too much of their wages taken away. The legal process through which creditors can collect on unpaid debts is complicated and requires employers to meet certain requirements. Understanding these laws is essential for both employees and employers, as violation of these regulations can result in hefty fines.

Garnishment laws fall under the umbrella of New York's labor law, which states that no more than twenty-five percent of an employee's disposable earnings can be withheld from their paycheck. Disposable earnings are defined as any net income that remains after legally required deductions like Social Security, Medicare, and federal taxes have been taken out. Employers must also make sure that employees take home a minimum amount each week - no matter how many garnishments there are - so they are not left with nothing after deductions.

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