Understanding Wage Garnishments on Your W2 Paystub
If you notice a wage garnishment on your W2 paystub, this article explains what it means and what steps you should take.
What Is a Wage Garnishment?
A wage garnishment is when money is taken from your paycheck to pay a debt. This happens when a court or government agency orders it. Common reasons include:
- Child support payments
- Unpaid taxes
- Student loan debt
- Credit card debt
- Court judgments
If You Have Questions About a Garnishment
Step 1: Review your paystub
- Look at the "Deductions" section
- The garnishment will be labeled as "Garnishment," "Wage Attachment," or a specific type
- Note the amount being taken out
Step 2: Contact ADP Garnishment Services
- Call (866) 324-5191
- Have your paystub ready
- Ask for details about the garnishment order
Step 3: Check your garnishment notification letter
- You should have received a letter about the garnishment
- This letter tells you:
- Which agency ordered it
- Why is money being taken
- Who to contact with questions
If you didn't get this letter, ask ADP for a copy.
How to Address the Garnishment
If the garnishment is correct:
- Continue working as usual
- The deductions will happen automatically
- Keep track of payments
If you believe the garnishment is incorrect:
1. Contact the agency that issued it (listed on your notification letter)
2. Provide proof showing why it's incorrect
3. Follow their process for disputes
If you need to make changes to the amount or dates, the agency must contact ADP at garn.agencyhelp@adp.com or (800) 823-6731. The request must come from the agency, not from you
Frequently Asked Questions
How much of my pay can be garnished?
The amount depends on the type of debt and state laws. Most garnishments are limited to 25% of your pay, but child support can be higher.
Will the garnishment show on all my future paystubs?
Yes, until the debt is paid in full or the order is lifted.
Can I pay the debt directly instead?
Sometimes. Contact the agency that issued the garnishment to discuss options.
Will this affect my ability to work with Instawork?
No, you can still work shifts through Instawork with a wage garnishment.
How long will the garnishment last?
Until the debt is paid in full or the order is changed by the issuing agency.
If you have questions about wage garnishments, contact ADP Garnishment Services at (866) 324-5191.