1. What is Ohio Wage Garnishment?

Ohio wage garnishment allows creditors to collect debts directly from a debtor's paycheck. The amount is limited by both federal and Ohio state laws to protect debtors from excessive withholding.

2. How Does the Calculator Work?

The calculator uses the Ohio garnishment formula:

Where:

• Disposable — Earnings after legally required deductions
• Exemption OH — Ohio's protected amount from garnishment
• 25% — Maximum percentage that can be garnished

Explanation: The garnishment is the lesser of either 25% of disposable income or the amount left after subtracting Ohio's exemption from disposable income.

3. Importance of Garnishment Calculation

Details: Accurate garnishment calculation ensures compliance with Ohio laws while balancing creditor rights and debtor protection.

4. Using the Calculator

Tips: Enter disposable income and Ohio exemption amounts in dollars. Both values must be valid (positive numbers).

5. Frequently Asked Questions (FAQ)

Q1: What is considered disposable income in Ohio?
A: Disposable income is gross pay minus legally required deductions (taxes, Social Security, etc.), but not voluntary deductions.

Q2: What is Ohio's current exemption amount?
A: For 2022, Ohio's exemption is typically $425 per week (check current laws as this may change).

Q3: Are there different rules for child support?
A: Yes, child support garnishments may follow different rules with potentially higher withholding limits.

Q4: Can multiple garnishments be applied?
A: Generally, only one garnishment at a time is allowed, with child support taking priority.

Q5: How often should garnishment amounts be recalculated?
A: Whenever the employee's disposable income changes significantly or annually to account for exemption updates.