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Federal Administrative Wage Garnishments: Handling Student Loans and Bankruptcies



Thursday, March 29, 2012
Product Code - PYAU01
Speaker(s): Amorette (Amy) Bryant, CPP
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If the federal government did not complicate requirements, student loans, other federal non tax debts, and even bankruptcy agreements would be less complex than they are. Do you know the difference in how to calculate the amount deducted for a delinquent student loan issued by a state guaranty agency from one issued by the Federal Department of Education (ED)? Did you even know there was a difference in how to calculate the deduction? This webinar will identify the critical differences between the Higher Education Act and the Debt Collection Improvement Act of 1996 through discussion and examples.

And you thought Chapter 13 bankruptcies were easy? Find out what happens when the judge or trustee allows voluntary deductions be deducted before the bankruptcy deduction. Things keep changing in the garnishment world every time you think you have a grasp on how to handle.

Think you know the withholding limit, blink and it may change - what to watch for during the economy crunch:

  • How to withhold for multiple orders issued by these agencies
  • How to determine the PRIORITY of an AWG and other garnishments -common misconception of federal vs. state priority laws
  • How to identify if a garnishment is from a state guaranty agency or from the Department of Education
  • What other federal agencies issue AWG's besides ED
  • Follow along with easy to understand examples of how to calculate, how to aggregate withholding.
  • Learn your obligation when an employee terminates
  • Identify software system constraints vs. legal requirements.
  • Learn what the basic requirements are for handling a Chapter 7 or Chapter 13 order
  • Learn to adjust to changes in bankruptcy orders

Amorette (Amy) Bryant, CPP

 Bryant resized
Amorette (Amy) Bryant
, CPP, has 15 years of experience managing large payroll departments in both the private and public sectors, and 12 years of experience as a consultant .  A widely recognized authority in the area of Garnishment Administration, her background also includes: 

  • Author of the Complete Guide to Federal and State Garnishment, 2010  edition, Aspen Publishers
  • Coauthor of the  Federal Office of Child Support Enforcement's The Employer's Desk Guide to Child Support.
  • Member of the APA Subcommittee for Child Support and the Subcommittee for Wage Attachments   
  • Worked with the federal Office of Child Support Enforcement to design the Order/Notice to Withhold