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Frequently Asked Questions

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Wage garnishment

  • My salary or benefits has/have been garnished.

    You have received a tax assessment that you have not paid. You have been notified of this in writing on several occasions. Because you have not paid, your salary or benefits have been garnished. Your employer or benefit payment institution is required to withhold part of your income or benefits and to no longer pay this to you. This part of your income is paid to GGN invoned in order to pay your tax assessments. If you reside or are staying in the Netherlands, the garnishment does not cover all of your income. You may keep part of it, known as the ?garnishment-free threshold?. We calculate this garnishment-free threshold for you, on the basis of the information that you have provided us with previously. If you have not provided this information, we set a standard amount for the garnishment-free threshold. This garnishment-free threshold amounts to 90% of the social security standard, including the holiday allowance. The garnishment covers all extras, such as holiday allowance or a 13th month?s salary, in full.

    The garnishment of your income can only be withdrawn through payment of the full amount that has been garnished to bank account No. IBAN NL68 INGB 0003086403 in the name of GGN Mastering Credit NV, stating the payment reference. Payment is also possible via iDEAL. We will then immediately send a letter to your employer or benefit payment institution in order to withdraw the garnishment.

  • The garnishment-free threshold

    We calculate the garnishment-free threshold for you, on the basis of the information that you have provided us with previously. If you have not provided this information, we set a standard amount for the garnishment-free threshold. This garnishment-free threshold amounts to 90% of the social security standard, including the holiday allowance. The garnishment covers all extras, such as holiday allowance or a 13th month?s salary, in full.
    If you do not agree with the calculation of the garnishment-free threshold, you can still provide the information. This must be sent to us using the garnishment-free threshold form. The garnishment-free threshold will not be adjusted retroactively.

    You must also enclose certain items of evidence for the requested information. The information that you must provide includes how much rent you pay, the amount of your health insurance premiums and any rent and care rebates.

    If you or your partner have other income, apart from the income which has been garnished, you must report this even if you are not married or are married without any marital community of property. In particular, your partner?s income must be reported if this is requested. If you fail to do so, the bailiff may decide that your garnishment-free threshold will be halved. This means that a larger part of your income will be withheld and will not be paid out to you. If your family situation or your income change, this may affect the amount of the garnishment-free threshold. Always report any changes to the bailiff. If necessary, the garnishment-free threshold will be adjusted.