For employers
If an employee is struggling with financial problems, their income may be seized. What can you do to prevent this?
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Training for employers and employees
For employers: To address financial problems earlier, it is desirable for managers and HR officers to recognise signals at an early stage and discuss them with the employee. It is then important to know how and what help can be offered. This training offers tools for optimal counselling of employees who are at risk of running into financial problems or have already run into them.
For employees: Our training on how to be smart with money and income gives you a grip on your own situation so that problems can be prevented. This training can be a structural part of an existing training or induction programme or offered on an occasional basis to employees with financial problems.
Financial coach
Would you like to help your employee with financial problems more intensively? Then a Zuyd Group financial coach can be used. This will help the employee to visualise income and expenses and to budget. In addition, the financial coach teaches the employee to stabilise his/her financial situation now and in the future. If necessary, the coach prepares the employee concerned for debt assistance.
Helpdesk for employers
Do you have questions about wage garnishment, want to know more about our training courses or the possibilities of using a financial coach? Then call or email Zuyd Group's free helpdesk. We can be reached by phone Monday to Thursday between 9am and 4pm.
Frequently asked questions
Inform Answering information request from the garnishee.
Declare After levying the attachment, you have two weeks to complete the garnishment statement and send it to the garnisher. PLEASE NOTE: You issue declaration within four weeks of the attachment being levied, if the clerk asks you in writing within two weeks of the attachment being levied.
Save you must keep anything owed to the employee and covered by the attachment under you.
Remittance you must transfer to the garnishee with each salary payment anything above the attachment-free foot until the total claim has been settled and you have received written confirmation that everything has been paid.
On wage garnishment. If the employee submits a request for adjustment of the attachment-free amount to the garnishee within 4 weeks, the attachment-free amount will be corrected retrospectively to the date of attachment. If he does so later, the fittings-free amount will be corrected from the date the adjustment is requested. The attachment-free foot will be reduced (by no more than half) by any other income of the employee or income of the partner.
No, an expense allowance is not covered by the attachment unless it is considered taxable wages.
Yes, this should also go to the bailiff.
NOTE: If the income is equal or below the applicable social assistance standard and 5% of the income including holiday allowance is remitted monthly, the holiday allowance is not subject to garnishment.
In case of multiple garnishments on your employee's income, a coordinating bailiff (CDW) will act. This is your single point of contact for everything related to the attachment. You will be notified by the attachment officer acting as CDW.
You remit to the CDW. The main rule is that this is the garnishee who has made the first attachment. He collects on behalf of the joint distraint holders and ensures distribution to the (preferential) distraint holders.
The garnishee who made a simplified attachment with a writ of execution for a preferential claim (before the bailiff attached) is the CDW.
The government simplified attachment for a preferential claim (before or after the bailiff has attached) is the CDW.
The employer may set off an outstanding claim against wages to be paid and this takes precedence over a wage garnishment. The condition, however, is that the claim is due immediately and was provided before wages were garnished.