Attachment of earnings order

This is an instruction from the court, to an employer, to deduct money from earnings to pay back a debt.

An attachment of earnings order is an order that instructs an employer to take an amount of money from the judgment debtor's wages to pay back a debt that is outstanding.

Once a creditor has a judgment against a person and an order has been made for a sum of money to be paid back, the creditor can enforce the judgment if the person is in arrears (behind with at least  one payment) and as long as the amount owing is in excess of £50.00. One of the ways to enforce the judgment, providing the person is working and earning more than the protected earnings rate, is to apply to the court for an attachment of earnings order.

If the attachment of earnings order is made it will state how much should be deducted from the defendant's weekly or monthly wages and it will detail the protected earnings rate which has been set by the court. The protected earnings rate is calculated by the court and is the amount of money the court considers the defendant needs to live on and below which his wages should not be reduced. The amount he needs to live on is assessed by looking at the details provided by the defendant on his statement of means form.

The deductions will be sent by the employer to the court and the court will then send the money to the creditor. The employer is entitled to make an administrative charge of £1, to be taken from the employee's wages, each time a deduction is made.

What is an Attachment of Earnings Order

Citizens Advice - Creditor takes money from your wages

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