The New Jersey Notice of Application for Wage Execution — Appendix XI-I is a formal document issued by the court in New Jersey that is used to formally begin the wage execution process. The notice contains information about the court action, the amount of money the debtor owes, and the debtor's rights regarding the wage execution. There are two types of New Jersey Notice of Application for Wage Execution — Appendix XI-I: (1) Original Notice and (2) Amended Notice. The Original Notice is typically sent to the debtor and includes the court action, the amount of money that the debtor owes, and the debtor's rights regarding wage execution. The Amended Notice is usually sent to the employer and includes the court action, the amount of money that the debtor owes, and the instructions on how to proceed with wage execution. Both notices must be signed by the debtor and the employer.
New Jersey Notice of Application for Wage Execution - Appendix XI-I
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FAQ
Under New Jersey law, a garnishment cannot exceed 10% of your income if you earn less than 250% of the federal poverty income for a household of your size. If you are above that amount of income, the limit is 25% of your disposable income. Military pay and benefits are not subject to garnishment in New Jersey.
Obtain a monetary judgment order from the court; Petition the court to place a levy on the bank account; File a Notice of Motion to Turn Over Funds. The debtor has 10 days to challenge the bank levy and assert any exceptions or exemptions.
If wage garnishment means that you can't pay for your family's basic needs, you can ask the court to order the debt collector to stop garnishing your wages or reduce the amount. This is called a Claim of Exemption.
If you earn more than 250% of the federal poverty level for a household your size, then up to 25% of your disposable income. If your disposable income is less than 30 times the federal minimum wage, then they cannot garnish your wages.
No wage execution order shall be issued unless the notice of application was filed within 45 days of service of the notice on the judgment debtor or 30 days of the date of the hearing.
In order to garnish your wages, a creditor must first file a lawsuit against you, prevail on it and obtain a judgment against you. Once the court grants the judgment, the creditor can then take steps to garnish your wages.