20 CFR § 422.405 - What notice will we send you about administrative wage garnishment?

---
identifier: "/us/cfr/t20/s422.405"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "20 CFR § 422.405 - What notice will we send you about administrative wage garnishment?"
title_number: 20
title_name: "Employees' Benefits"
section_number: "422.405"
section_name: "What notice will we send you about administrative wage garnishment?"
chapter_name: "SOCIAL SECURITY ADMINISTRATION"
part_number: "422"
part_name: "ORGANIZATION AND PROCEDURES"
positive_law: false
currency: "2026-03-24"
last_updated: "2026-03-24"
format_version: "1.1.0"
generator: "[email protected]"
regulatory_source: "32 FR 13653, Sept. 29, 1967, unless otherwise noted."
cfr_part: "422"
---


# 422.405 What notice will we send you about administrative wage garnishment?

(a) *General.* Before we order your employer to collect a debt by deduction from your disposable pay, we will send you written notice of our intention to do so.

(b) *Contents of the notice.* The notice will contain the following information:

(1) We have determined that payment of the debt is past due;

(2) The nature and amount of the debt;

(3) Information about the amount that your employer could withhold from your disposable pay each payday (the payment schedule);

(4) No sooner than 60 calendar days after the date of the notice, we will order your employer to withhold the debt from your disposable pay unless, within that 60-day period, you pay the full amount of the debt or take either of the actions described in paragraphs (b)(6) or (7) of this section;

(5) You may inspect and copy our records about the debt (*see* § 422.420);

(6) You may request a review of the debt (*see* § 422.425) or the payment schedule stated in the notice (*see* § 422.415); and

(7) You may request to pay the debt by monthly installment payments to us.

(c) *Mailing address.* We will send the notice to the most current mailing address that we have for you in our records.

(d) *Electronic record of the notice.* We will keep an electronic record of the notice that shows the date we mailed the notice to you and the amount of your debt.