Connecticut Garnishment laws & HR compliance analysis

Connecticut Garnishment: What you need to know

Garnishments are ordinarily served by a sheriff or deputy, a constable, or an investigator, or by an officer of the Superior Court, the Department of Human Resources, the Bureau of Collection Services, or the Attorney General.
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The primary state laws that affect garnishments are the federal Consumer Credit Protection Act (CCPA) (15 USC 1671), the state Truth-In-Lending Act (CT Gen. Stat. Sec. 36-393), the state law covering nonsupport (CT Gen. Stat. Sec. 52-361a et seq.), and a state law limiting disciplinary action in garnishment cases (CT Gen. Stat. Sec. 52-361a(j)). Under Connecticut law, no disciplinary action can be taken until after the seventh garnishment in a calendar year (CT Gen. Stat. Sec. 52-361a(j)). Employers may caution employees as long as no disciplinary penalty is imposed. CT Gen. Stat. Sec. 17b-745 permits courts and family support magistrates to order employers to withhold medical and dental insurance premiums from the payroll of parents of certain minor children who are supported wholly or in part by the state. CT Gen. Stat. Sec. 52-57(f)(2) requires each employer of 15 or more workers to designate an official to accept service of process in support actions; the official must then deliver the support order to the employee.
Withholding amount. An employer may not withhold more than the lesser of (1) the amounts allowed by the federal CCPA or (2) the amount allowed by the state of Connecticut.
Federal limit. The CCPA limit is 50 percent of the disposable weekly earnings (55 percent if the individual is 12 or more weeks behind in payments). If the employee is not supporting a spouse or dependent child other than the spouse or child for ...

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