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a) In NY, they can file for garnishment without you being in arrears. They can also order garnishment through child support enforcement without going to court.
b) If your company is served a garnishment notice, they have to comply and it is not up to your company to determine anything. It is up to you if you want to object to the garnishment to go to court and file a motion to quash the garnishment and argue your case.
c) The court is supposed to order the amount of garnishment up to the 65% of your disposable income and the court usually divides your monthly support payments by the number of paychecks you get each month to determine the amount of your garnishment. What they call disposable income is everything left in your pay after taxes and your standard deductions (like insurance
d) You have the right to object to the garnishment and present proof you make on time payments and there is no need for garnishment of the wages for support and also to argue any arrears they are claiming.
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