Letter decoder · Administrative wage garnishment

Received an Administrative Wage Garnishment Notice?

Review the EIDL wage-garnishment 15% rule, notice, and hearing timing. Includes official Treasury sources and a free private assessment.

Reviewed July 18, 2026 · educational information
A worker reviewing a paycheck stub and a garnishment notice at a kitchen table
  1. 01SBA servicing
  2. 02Demand notice
  3. 03Charged off
  4. 04 · You are hereTreasury collection
  5. 05DOJ referral
Direct answer

This is serious and time-sensitive. Treasury can garnish up to 15% of your take-home pay without a court order. But if you request a hearing within 15 business days of the date on the notice, a hearing must happen before your employer is told to withhold. Do not ignore that date.

Contextual trackStage noted for this guide: S4Confirm with the assessment →

What to review

Start with the date, sender, balance, and response instructions on your document. Compare those details with the source-backed process described here before deciding what questions to take to SBA, Treasury, or an independent professional.

What happens next

The next step depends on the current servicer, the age and status of the debt, and any review rights described in the notice. The exposure assessment organizes those facts without replacing legal, tax, or financial advice.

Common questions

Clear answers, careful limits.

See our source library →
Does this page provide legal advice?

No. It provides general educational information and links to official sources. Individual facts can change the available process and outcome.

Will checking my exposure affect my credit?

No credit report is requested to use the educational assessment on this website.

Organize your facts

See exactly where your EIDL stands, and what could happen next.

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Use the document context

Build a report from the stage identified here.

The assessment starts with the collection-stage context from this guide. Confirm every answer against your own records.

Private assessmentStep 1 of 6
Question 1Do you have an SBA EIDL loan?
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