Notice Of Intent To Garnish Wages Template for England and Wales

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Notice Of Intent To Garnish Wages

"I need a Notice of Intent to Garnish Wages for a £15,000 unpaid business loan, where the debtor is employed by a tech company in Manchester, and I have already obtained a county court judgment in March 2025."

Document background

The Notice of Intent to Garnish Wages is a crucial document in the debt recovery process under English and Welsh law. It is typically issued after obtaining a court judgment and when other collection methods have been unsuccessful. The notice must include specific information required by the Attachment of Earnings Act 1971, including the amount of debt, payment terms, and legal justification. It serves as both a formal notification and a final opportunity for the debtor to make alternative payment arrangements before wage garnishment begins. This document is particularly important as it initiates the formal process of enforcing debt collection through employment income.

Suggested Sections

1. Creditor Details: Full legal name and contact information of the creditor

2. Debtor Details: Full name, address, and other identifying information of the debtor

3. Employer Information: Legal name and address of the debtor's employer

4. Debt Information: Original judgment amount, current balance, interest, court reference

5. Garnishment Details: Amount to be garnished, frequency, duration

6. Legal Authority: Citation of legal basis for garnishment

7. Response Requirements: Deadline and method for responding to the notice

Optional Sections

1. Previous Payment History: Section detailing relevant payment history or failed arrangements, used when demonstrating previous attempts at collection

2. Multiple Employer Notice: Additional employer details section, required when debtor has multiple employers

3. Priority Claim Notice: Declaration of priority status, included when claiming priority over other garnishments

Suggested Schedules

1. Schedule A - Calculation of Debt: Detailed breakdown of the debt amount including principal, interest, and fees

2. Schedule B - Payment Schedule: Proposed garnishment schedule showing payment dates and amounts

3. Appendix 1 - Court Order: Copy of the original judgment or court order authorizing garnishment

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co

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Let's create your Notice Of Intent To Garnish Wages

Authors

Alex Denne

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