Garnishment Limits In Michigan

Summary

Garnishment Form MC-12 notifies employers to deduct money from paychecks for debt. Form MC-14 garnishes state tax refunds. Michigan limits wage garnishment to 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage. Disposable earnings are calculated by subtracting legally required deductions (taxes, Social Security, Medicare, etc.) from total earnings.

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A garnishment form mc12
Hello Stephanie! Garnishment Form MC-* is related to debt collection in Michigan. Can I assume you are located in Michigan? Could you provide more details about your situation? Are you a debtor or creditor?
And mc14
Hello Stephanie! MC-* is a Request and Writ for Garnishment (Income Tax Refund/Credit) in Michigan. It's used to garnish a debtor's state income tax refund. What specific information are you seeking about these forms?
Yes
Hello Stephanie! Here's some general information about the forms:
- MC-*: This form is used to notify your employer about the garnishment. The employer then deducts money from your paycheck to pay the debt.
- MC-*: This form is used to garnish a debtor's state income tax refund.
Do you need help filling these forms?
What is the maximum amount they can take from my earnings?
In Michigan, the maximum amount that can be garnished from your wages is generally *% of your disposable earnings, or the amount by which your weekly income exceeds * times the federal minimum wage, whichever is less.
What does the exceeds mean?
"Exceeds" refers to the amount by which your weekly income is greater than * times the federal minimum wage. If your income is higher than this amount, the difference is subject to garnishment.
Can I get an example?
Sure, Stephanie. Let's say the federal minimum wage is $*.*, so * times that is $*.*. If you earn $* weekly, the amount that exceeds $*.* is $*.*. This is the maximum amount that could potentially be garnished.
Ok. And earned income is what formula?
"Earned income" typically refers to the money that you earn from working. This includes wages, salaries, tips, and net earnings from self-employment. The formula to calculate your "disposable earnings" (earnings after legally required deductions) would be:
Total Earnings - Legally Required Deductions = Disposable Earnings
What are legally required deductions?
Legally required deductions typically include:
- Federal, state, and local taxes
- Social Security
- Medicare
- State unemployment insurance
- State disability insurance
Remember, these may vary depending on your location and individual circumstances.
Ok thanks.
You're welcome, Stephanie! If you have any more questions or need further clarification on anything, feel free to ask.