Wage Garnishment and Exemption Amount in Rijswijk
With wage garnishment, a portion of your income is directly deducted for the benefit of creditors. However, you always retain the right to the exemption amount.
What is wage garnishment?
If a creditor has a court judgment, they can levy garnishment on your salary. Your employer is then obliged to withhold part of your wages and transfer it to the creditor.
What is the Exemption Amount?
The exemption amount is the minimum amount you must retain to provide for your livelihood. This amount is determined by factors such as:
- Your living situation
- Your housing costs
- Received benefits
Amount of the Exemption Amount
The exemption amount roughly amounts to 90% of the social assistance norm, supplemented by a portion of your housing costs and health insurance premium.
How is it calculated?
Since 2021, the exemption amount is automatically determined via the Digital Garnishment Register, ensuring an accurate calculation.
What if there are multiple garnishments?
Even with multiple garnishments, the exemption amount remains unchanged, so you do not retain less than the minimum.
Statutory basis: Code of Civil Procedure
Local information: For questions or assistance in Rijswijk, you can go to the Legal Counter Rijswijk. Disputes are handled by the District Court of The Hague.
Frequently asked questions about wage garnishment
How much of my salary can be withheld?
With wage garnishment, it is always ensured that you retain the exemption amount. This is at least 90% of the social assistance norm, plus a portion of housing costs and health insurance premium. The exact amount is calculated via the Digital Garnishment Register, and only the amount above that can be withheld.
What if my employer withholds too much?
If you think too much is being deducted, check this via the Digital Garnishment Register or contact the bailiff. You are entitled to a correct exemption amount. In case of persistent problems, you can seek legal assistance, for example via the Legal Counter Rijswijk.
How is the exemption amount determined with benefits?
Benefits such as rent or healthcare benefit are included in determining your exemption amount. This increases the amount you may retain. The calculation is done automatically via the Digital Garnishment Register, and you can request details from the bailiff involved.
Can I object to wage garnishment?
Yes, you can file an objection if you believe the garnishment is unjustified or the exemption amount has been incorrectly applied. You do this with the bailiff or the court. The Legal Counter Rijswijk can support you in this.
What if there are multiple creditors?
With multiple garnishments, your exemption amount remains the same. The amount above this foot is distributed among the creditors, often with priority for maintenance or taxes. Your employer arranges the payment via the bailiff.