From: Tammy
To:
Kym Thomas, IAT Payroll
Subject: Garnishment
Good morning, Ms. Thomas
Thank you for the information. I will follow through with your suggestion to contact the attorney's office
to get this taken care of ASAP. Have a great day.
Tammy
Cincinnati, OH 45211
>>> Kym Thomas 1/30/2013 8:34 AM >>>
Good Morning,
The principle bal. due was $204.31 in which was deducted from the current payroll dated 2/1/2013. Your
Garnishment will be paid in full once the Lawyer's Office submits the Interest Due statement. You may
contact their office to make personal arrangements for payment of the interest due to avoid any delays in
receiving a release from the garnishment. If you have further questions or concerns, do not hesitate to
call (513) 555-1212
Thanks
Kym Thomas
IAT - PAYROLL
>>> Tammy 1/29/2013 4:43 PM >>>
Greetings Ms. Thomas,
I left you a message concerning the amount that will be taken out of my check for the garnishment I
have incurred. Please give me a call, when you can on Wednesday. 3-1400 or 207-5555 Thanks in
advance.
Tammy
Cincinnati, OH 45211
>>> Kym Thomas 1/4/2013 3:19 PM >>>
Hello Mrs Tammy,
Yes, the "principal balance" will be paid by the pay period ending 1/26/2013 pay date of 2/1/2013. But,
the lawyers will send Payroll a "last statement with the Balance Due for the Interest" once they
receive the last payment due on the principal amount submitted. The contact information for the Lawyers
is listed on the bottom of the notice if you have questions about the interest due.
Kym Thomas
IAT - PAYROLL
>>> Tammy 1/4/2013 3:09 PM >>>
Good afternoon Ms. Thomas,
Could you please reply with a confirmation that based on my current garnishment of $498.60 every two
weeks, that my court ordered $1201.51, will be satisfied after one more pay period of $498.60 on
1/18/13 and a third and final payment of $204.31 on 2/1/13.
Thank you, for you assistance with this delicate payroll situation.
Regards,
Tammy
Good Morning Mrs. Tammy,
Payroll is in receipt of your notice to dispute the Garnishment amount deducted from your payroll as of
1/4/2013. Unfortunately, and we are not able to meet your request to reimburse any funds based on the
Ohio State Laws on Garnishments of Wage Withholdings.
Ohio law allows up to 25 percent of an individual disposable wages to be collected in order to pay a
credit. “Disposable earnings” is the amount you earn for one pay period, after required taxes have been
deducted. Therefore, your assumption of a miscalculation by the payroll department is incorrect and the
deduction for the garnishment is below the 25% allowed by Ohio. For your convenience, I have attached
below the State of Ohio Codes and Regulations on Wage Garnishments.
Included in your notice (sent to you on 12/20/2012) was a "Request for a Hearing on Garnishment" form
for you to complete for any disputes or personal payment arrangements to repay the debt. I encourage
you to return the form to the Hamilton County Municipal Court address listed on the request as soon as
possible.
If you have further questions or concerns, please do not hesitate to call (513) 363-0494.
Limits on Wage Garnishment in Ohio
There is a limit to how much money can be garnished from your paycheck. This purpose of this limit is to
ensure that you have enough income left to pay your living expenses.
Federal law places limits on wage garnishment amounts and Ohio law protects the same amount. In
Ohio, the most that can be garnished from your wages is either:
25% of your disposable earnings, or
Your disposable earnings less 30 times the current federal minimum wage ($7.25 as of January
2012).
http://www.nolo.com/legal-encyclopedia/ohio-wage-garnishment-law.html
http://codes.ohio.gov/orc/2716
Kym Thomas
IAT - PAYROLL
>>> Tammy 1/4/2013 8:11 AM >>>
Good morning, Ladies
I received a letter letting me know that my wages would be garnished for a medical bill that I have. It's
my bill, that's not in dispute. I attempted to resolve it sooner, but obviously it wasn't soon enough, but I
digress to what I need an understanding on from the two of you.
According to Attorney Slovin's (the attorney for my doctor) office the garnishment should be 20% of my
net pay, until the total debt is satisfied. OK. So that's a pill to swallow but I have made budget
projections and amendments based on 20%, which would be $310. Since the documentation that Ms.
Thomas signed off on did not disclose an actual percentage or amount based on my salaried check-which
is always the same, that's what I went on.
This morning, imagine my borderline cardiac arrest when out of my $1700+ biweekly take home I was
issued a direct deposit of ONLY $678!!!! This is an obvious error and an illegal percentage to be
designated per pay period for a debt repayment. While I am aware that the payroll tax holiday is over,
that by NO MEANS explains this unacceptable number.
I am desperate need for your office to revisit its calculations, prior releasing any funds to the attorney's
office, THIS MORNING BEFORE 9:00. I CAN BE REACHED VIA PHONE AT 255-5555 to hear how your
office will rectify this miscalculation.
Respectfully,
Tammy
Cincinnati, OH