CCPA withholding cap
Disposable earnings calculated correctly; maximum garnishment limited to the lesser of 25% of disposable earnings or the amount by which weekly earnings exceed 30 times the federal minimum wage.
The most rigorous garnishment compliance service an employer can use.
Garnishment Order Processing & Compliance Engine assembles a documentation-complete garnishment response pack — every statutory element, every required calculation, the sworn answer, the remittance schedule, and the termination monitor — checked against the federal CCPA and applicable state law before a specialist releases it.
Every applicable CCPA and state limitFive statutory response elements, gate-checkedDHSMV · USCG · UCC · judgment lien searchesSpecialist release on every pack5-business-day SLA
Why compliance fails
A single missed deadline can make the employer liable for the entire debt.
An employer that receives a wage-garnishment order — child-support IWO, tax levy, creditor garnishment, bankruptcy order, or student-loan AWG — must interpret it, calculate withholding under CCPA and state limits, resolve priority among multiple orders, file a sworn answer by a hard deadline, remit correctly, and monitor until termination. Get any step wrong, and the employer can be personally liable for the entire judgment plus penalties, interest, and attorney fees.
Most employers run this by hand, from memory, with a binder of state rules and a spreadsheet. The volume of garnishments is rising double digits every year, and multi-order complexity is the new normal. That is exactly where compliance gaps hide.
Garnishment Order Processing & Compliance Engine exists to close that gap with a single, exhaustive standard applied identically to every order.
1 in 100
U.S. workers garnished in any given month
The benchmark
Measured against the letter of the law — every applicable statute and regulation.
We do not summarize the law and hope. Every order is scored against a versioned rule pack tied to the exact text of the Consumer Credit Protection Act and the applicable state garnishment statutes. These are the provisions each response is held to.
State law overlay
Where state law provides a lower cap or additional protections (e.g., Texas, Pennsylvania, North Carolina), the stricter limit is applied deterministically.
Multiple-order sequencing
Child support, tax levies, creditor garnishments, and bankruptcy orders are prioritized per federal and state rules; aggregation across orders is computed correctly.
Sworn interrogatory response
The employer's answer is drafted, sworn, and filed within the statutory deadline (typically 10–21 days from service), with proof of service documented.
Timely payment to obligee
Withholdings are remitted to the correct agency or creditor on the required schedule (e.g., within 7 days of each pay date for child support).
Automatic stop when satisfied
The order is monitored each pay period; withholding ceases immediately upon satisfaction, termination notice, or expiration of the garnishment period.
How a response is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Compliance Scan
Upload the garnishment order and employee data. We return a free completeness read: which statutory elements and calculations you already have, and which are missing.
02
Order intake & classification
As your authorized clerical agent, we ingest the order via OCR, classify type (IWO, tax levy, creditor, bankruptcy, AWG) and jurisdiction, and extract structured fields.
03
Grounded calculation
Disposable earnings, CCPA cap, state limit, and priority are computed deterministically from the validated data and the rule pack — no legal opinions, no invented facts.
04
Deterministic compliance gates
Amounts reconcile to the paycheck to the penny; the answer deadline is verified; the priority sequence is resolved; SCRA is screened. Any failure blocks release.
05
Specialist release
A compliance specialist reviews the exception queue and signs the release. High-value or complex orders route to attorney review first.
06
Delivery
You receive the pack: sworn answer, calculation worksheet, remittance schedule, proof of service, and termination monitor — ready for the employer to file and remit under its own name.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No response ships without a human signature.
5 days
Standard SLA
From complete intake to released response.
<1%
Critical-defect target
Tracked against a gold-standard response library.
50+
State law overlays
Every applicable state garnishment statute, every file.
Why Garnishment Order Processing & Compliance Engine
Built to be the most thorough option an employer has.
Documentation-complete, by design
The deliverable is completeness itself — every statutory element and calculation accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A calculation error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run calculations as your clerical agent. We never contact the employee, give legal advice, or remit funds.
Engagement
Flat fee, per active order per pay period. No hourly billing, ever.
Simple, predictable, and aligned with a compliance standard — not a percentage of any amount withheld.
- A free Compliance Scan before you commit — see exactly what is missing.
- One flat fee per active order per pay period; disclosed pass-through fees for any third-party searches.
- Optional fixed-fee attorney review for complex or high-value orders.
- Optional Termination Monitoring Add-on for automatic stop when the order is satisfied.
FAQ
Questions, answered precisely.
Is Garnishment Order Processing & Compliance Engine a law firm?
No. Garnishment Order Processing & Compliance Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex or high-value orders.
Do you contact the employee or remit funds?
Never. Garnishment Order Processing & Compliance Engine is not a debt collector and does not contact employees or remit funds. The employer remains the garnishee and the party responsible for filing the answer and making remittances.
What makes a response 'complete'?
Completeness is defined by the applicable statutes: the CCPA cap correctly computed, state limits applied, priority resolved, answer drafted and deadline verified, remittance schedule set, and termination monitor active. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released response. The free Compliance Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per active order per pay period, plus disclosed pass-through costs. No hourly billing and no percentage of any amount withheld.
See what's missing before it costs you a judgment.
Start with a free Compliance Scan. Send the garnishment order and employee data and we'll return a completeness read against every applicable statute.
Documentation-completeness service · not legal advice · the employer files every response.