Finding Current Place of Employment: A Critical Tool for Wage Garnishment
Updated on June 18, 2018
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Does someone owe you debt? Have the repayments owed to you been defaulted? In this detailed passage learn what a wage garnishment is, its different types, and what necessary tools are required to successfully issue a wage garnishment order. Find out how our services can help you issue a successful wage garnish or find current employment details for investigative purposes.
Bill collectors and debtors have a whole bunch of options when it comes to collecting owed payments. One of them is wage deductions or wage garnishments; often the last resort and the only workable option when none of the other options bear result.
You, the creditor can take appropriate legal action against the debtor by suing them and obtaining a wage deduction or garnishment court order. This issued order will notify the debtor’s employer to make a certain amount of deductions from the employee’s salary and forward them to you or the third party.
Wage garnishment orders can be issued by anyone – an individual person, IRS, state tax agencies, and the Department of Education.
According to what the state law dictates, a garnishment order may last up to 60 – 90 days or remain intact until the debt is satisfied.
Wage garnishment types
For the purpose of a better understanding, wage garnishments can be classified into the following common types:
This is the most common reason for a wage garnishment order. Half of all employees with a garnishment order have unfulfilled child support obligations.
Most of the states have ironclad laws for child support and guardian obligation fulfillment; wage garnishment is an example of such a law.
In such cases, ordinary garnishment limits do not apply. An individual may have up to fifty or sixty percent of their gross income garnished, depending on whether he has a current family – that is not subject to support order – to support or not. There is also an extra fine that can be charged if payments are more than 12 weeks late.
This type of garnishment occurs when a debtor defaults on payments like that of a credit card. The creditor may go to the court and seek a wage deduction order.
Student loan garnishment and other federal debts
This loan is owed to the US Department of Education or the federal government and it is a non-tax debt. A contracted collection agency or a federal agency may enforce the loan collection on the behalf of these establishments.
Up to 15 percent of the debtor’s gross income may be taken.
The garnishment limit is different here. It is also comparatively lower than that of child support.
This collection can be issued by the IRS and state taxing authorities. Taxation authorities have the power to seize wages of the individual. Each state has a different requirement.
Voluntary wage assignment
As the name suggests, the employee voluntarily gives up a portion of his or her money. No court order is involved and the employee gets to specify the amount of money that will be withheld. This type of garnishment is governed by the state law.
Garnishment limits and processing options
Wage garnishment orders are usually bound by certain limits which are only not applicable in some of the situations mentioned above. The FCCPA sets these limits to restrict the amount that can be deducted at one time and protect employees from being fired. Note this protection does not extend to multiple subsequent garnishment notices.
The ordinary garnishment weekly limits are:
- No more than 25 percent of the employee’s disposable income.
- Employee’s disposable income that is greater than 30 times the federal minimum wage.
These limits follow an identical order for biweekly, semi-monthly, and monthly payment schedules.
It is important for many institutions and agencies to receive hassle-free and quick payments regularly. Thus, wage garnishment processes are not limited to paper anymore and can be paid through electronic funds transfer (EFT). Almost every child support institution accepts funds sent through EFT and some have even authorized employers to do so. Tax levy and student loan agencies also implement electronic methods since these offer more security to the personal identification information.
Dealing with delinquent debtors
As the number of delinquent debtors’ increases, the advice that floats around these fellow delinquent debtors also become more and more crafty. For instance, one of the most popular ways to get out of a wage garnishment order is to hide assets or declare bankruptcy.
You can’t file for a wage garnishment if the person who owes you money doesn’t have a discoverable source of income, can you?
It is possible to verify and discover if an individual has a current source of income.
Finding Current Place of Employment
Current employment lookup search is possible and is quite useful in attaching to the judgment debtor’s wages.
The task of how to find current employment is both straightforward and not so straightforward; it all depends on who you work with.
Certain private investigators, like the one’s at Docusearch, can perform these checks for you and find the information you need. A few basic requirements and criterion need to be fulfilled, however, for a successful verification.
Who can qualify for an employment lookup?
There is a very thin line between stalking and performing verification for legal purposes, especially if an ex-lover or spouse is considered. Therefore, licensed investigative groups such as us stringently follow a criterion that must be fulfilled by the individual requesting these checks. Our work ethic ensures the boundaries remain enforced so that only genuine cases are catered to.
For these reasons, if you can provide a legal proof – like child support – or convince us that your motives are genuine, chances are you will qualify. To know the specifics of this criterion, you can check our website or talk to us.
What information needs to be submitted?
As we mentioned, you need to provide some basic information on the individual: their name, current residence, and social security number. Additional personal identifiable information like date of birth, phone number, and address also prove to be helpful. However, they are not absolutely necessary.
What information will I get?
Information like the place of employment and phone number can be tracked down. You can also determine if they are the recipients of any unemployment benefits.
However, as the business ethics state, this is the only information you can verify. You cannot know the definitive salary amount or details.
The information you will receive will be researched from the propriety state employment records – this is the place where information about who is getting paid wages every quarter is listed.
How are employment lookups helpful?
As is obvious, these searches are requested when debtors are proving to be unruly and skipping on their payments or you need to conduct a fraud investigation. Judgment collectors can be proactive and determine the employment location of the debtor. This way debtor will have no way to circumvent their payments even if they do not live in the same state as you, and you have only very basic information on them.
Other non-conventional ways an employment lookup can be useful are: for criminal investigation where finding out the employment location can supplement the case, determining if the individual is actively serving in the military and official government business.
As is the nature of our job, we work with many private and government institutions. Our services also extend to individuals if they have legal proof to back up their requests.
At Docusearch, all investigative services are performed with utmost confidentiality; no one else will have knowledge about this investigation.
Need to perform an employment lookup? Please start by visiting Current Employment Lookup search description page.
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