An Illinois Wage Deduction Order-Turnover Order (IL PHOTO) is a court-ordered wage garnishment that requires employers in the state of Illinois to deduct a set amount from an employee’s paycheck and send it to the creditor that initiated the order. This type of order is typically issued when a debtor has fallen behind on repayment of a debt and the creditor has taken legal action to collect the debt. The IL PHOTO is usually issued after the creditor has obtained a judgment from the court, and obligates the employer to deduct the required payment from the employee’s wages until the debt has been fully satisfied. The IL PHOTO is a type of wage garnishment that falls under Illinois’s Wage Deduction Act. There are two types of IL Woos: Turnover Orders and Wage Deduction Orders. A Turnover Order requires the employer to pay the debtor’s wages directly to the creditor, while a Wage Deduction Order requires the employer to deduct a set amount from the debtor’s wages and pay it to the creditor. Both types of orders require the employer to comply with Illinois law regarding wage garnishments, including limits on the amount that can be deducted and the types of wages that can be garnished.
Illinois Wage Deduction Order-Turnover Order
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FAQ
In Illinois, a judgment may allow creditors to seize various types of personal property to satisfy a debt. Commonly seized items include bank accounts, vehicles, and valuable items like jewelry. However, certain property is exempt under Illinois law, such as basic household items and a portion of your wages. Knowing what can be seized helps you prepare if you encounter an Illinois Wage Deduction Order-Turnover Order.
Wage Garnishment in Illinois In Illinois, if a creditor wins a court judgment against you, the maximum your employer can garnish from your weekly earnings is either 15 percent of your earnings or the amount left over after you deduct 45 hours' worth of Illinois' minimum wage.
The document is called a Wage Deduction Affidavit. The creditor states their belief that the debtor's employer owes the creditor wages. In that affidavit, the creditor must certify that, before filing the affidavit, he mailed a wage deduction notice, explained below, to the debtor at the debtor's last known address.
A wage garnishment is when a part of a person's wages are taken to pay for a debt they owe. This is also called a turnover order. The person who owes the money is called the debtor. The person they owe the money to is called the creditor.
In laymen's terms, a turnover order directs the Judgment debtor or third person to transfer (or ?turn over?) personal property to the levying officer.
The Debt Collection Improvement Act authorizes federal agencies or collection agencies under contract with them to garnish up to 15% of disposable earnings to repay defaulted debts owed to the U.S. government.
Respondent should deduct each pay period 15% of Defendant's non-exempt gross wages. If Defendant's disposable earnings are less than 45 times the greater of the state or federal minimum wage, no deductions may occur. All wages withheld shall be turned over to Plaintiff or Plaintiff's attorney on a monthly basis.
Illinois law governs the enforcement and resurrection of judgments. Under Illinois law, judgments have an enforcement time limit of seven years from the date of their entry.