Earnings Deduction

Attachment of Earnings — Recover Debt from Wages

Instruct the debtor's employer to deduct payments directly from their salary.

Overview

What is Attachment of Earnings?

An Attachment of Earnings Order instructs the debtor's employer to deduct a regular amount from the debtor's wages and pay it directly to the court until the debt is repaid.

It is only available against employed individuals and is particularly useful where the debtor has limited assets but a regular income.

Important: Hollingworth Collections is not a bailiff service, solicitor firm or regulated debt advice provider. We do not provide legal advice or carry out enforcement directly. Suitable enquiries may be introduced to independent recovery specialists and professional partners where appropriate.

The Process

How Attachment of Earnings Works

1

Obtain a CCJ

An Attachment of Earnings Order can only be applied for after a County Court Judgement has been obtained.

2

Apply to the Court

The creditor applies to the County Court for an Attachment of Earnings Order.

3

Employer Notified

The court notifies the debtor's employer, who is required to make deductions from the debtor's wages.

4

Regular Payments

The employer pays the deducted amount to the court, which forwards it to the creditor until the debt is repaid.

Eligibility Requirements

  • A County Court Judgement (CCJ) must already exist
  • The debtor must be employed (not self-employed)
  • The debtor must earn above the protected earnings rate

Limitations & Considerations

  • Only available against employed individuals
  • Not available against self-employed debtors or companies
  • Deductions are limited to protect the debtor's basic income
  • Hollingworth Collections does not carry out enforcement — we introduce to specialists

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FAQ

Frequently Asked Questions

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