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Automatically interpret court-issued garnishment orders, apply federal and state laws across all 50 states, and generate payroll-ready instructions — with statute citations.
Queue
3
Action Required
1
Compliant
1
Blocked
6
Total
Johnson v. Acme Corp
instance · fd493207...
CA-2026-IRS-0482
instance · d5a0a967...
Federal Tax Levy #891
instance · 106eeef1...
Ohio Support Order #44
instance · b1627dcc...
Court Order
Johnson v. Acme Corp
Type: Child Support
State: California
Amount: $356.15
Withholding Calculation
Built for teams that run payroll at scale
Every number comes from the real cost of garnishment processing in regulated payroll operations.
0x
faster than manual statute research and calculation.
With PayGuard, a 2-4 hour garnishment order is processed in minutes — boosting throughput and ensuring compliance across all 50 states.
$0+
average cost per order — reduced to a fraction.
10 million garnishment events annually across US employers. Each one requires statute research, calculation, review, and audit documentation.
How it works
From uploaded PDF to payroll-ready instruction — fully automated, fully auditable.
KYC, employee earnings profile, prior garnishment history.
State garnishment rules API, employee earnings (Finch), geocoding for local minimum wage.
Upload court order PDF, AI extracts order type, amounts, state, case details per page.
Federal CCPA + state-specific statutes evaluated automatically. CA, TX, IL, FL, NY, OH — each with unique rules.
Deterministic math: federal cap, state override, final amount. Every dollar traced to a statute citation.
Human-in-the-loop: approve, override, or escalate. Full Why-Trail audit for every decision.
The platform
Four layers. One unified stack. The integration is the product.
PayGuard Architecture
Data Index
Court Order Details
Employee Earnings
State Statutes
Priority Rules
Output
Withholding Instructions
Audit Evidence Trail
Statute Citations
Payroll Export
Accuracy in production
States supported
SOC 2
Type II Certified
Compliance risk
Garnishment compliance errors are among the most common payroll audit findings. Manual processing guarantees mistakes.
Up to $1,000
CCPA Penalties
15 USC §1674(b): Willful violation of wage garnishment limits is a federal crime. Fines and/or imprisonment up to one year.
Class action risk
Employee Lawsuits
Systematic over-withholding creates class action exposure. Employees recover excess amounts plus attorney fees under state wage laws.
IRS + State AG
Audit Exposure
IRS levies require precise priority ordering. State attorneys general increasingly auditing garnishment compliance as part of worker protection.
Why PayGuard
Every dollar withheld traces to a specific statute. Click any amount to see: formula, inputs, legal citation, and the exact page of the court order. Compliance officers can verify in seconds.
Not one-size-fits-all. Each state gets its own policy profile. California applies CCP 706.050. Texas detects constitutional prohibition. Illinois overrides to gross wages.
Math runs as code, not LLM. $508.25 is always $508.25. AI handles document extraction and edge-case flagging. The right tool for each job.
The difference
The hardest payroll workflows have resisted automation for decades. Not because the technology was missing. Because the architecture was.
2-4 hrs
Manual statute research, calculation, cross-referencing employee data
Minutes
AI applies 50 state statutes automatically with full audit trail
50 rule books
Each state has unique withholding formulas, exemptions, and priority rules
100% automated
Every calculation traced to a specific statute citation
$350+
Labor, compliance risk, audit exposure, and penalty potential
10x lower
No statute research, no manual calculation, no compliance guesswork
Spreadsheets
Scattered documentation, tribal knowledge, manual evidence gathering
Why-Trail
Complete evidence chain from court order to payroll instruction
Manual entry
Re-keying data into ADP, Workday, or UKG with transcription errors
One click
Payroll-ready output with correct priority ordering, instant export
Processing time
2-4 hrs
Minutes
Compliance coverage
50 rule books
100% automated
Cost per order
$350+
10x lower
Audit readiness
Spreadsheets
Why-Trail
Payroll export
Manual entry
One click
The market
Garnishment compliance sits at the intersection of payroll, legal, and HR — one of the last major payroll workflows not yet automated.
RegTech market by 2035
CAGR growth rate
Source: Precedence Research, Grand View Research
Payroll compliance services
10M garnishment events annually. Average cost $350+ per order.
Source: OpenPR
SOC 2 Type II
Enterprise-grade security
AES-256
Encryption
SSO + RBAC
Access
Full audit
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FAQ
Everything you need to know about PayGuard. Can't find what you're looking for? Talk to us.
Each state gets its own policy profile with jurisdiction-specific rules. California applies CCP 706.050, Texas detects constitutional prohibition, Illinois overrides to gross wages. The engine evaluates the correct statute for every garnishment automatically.
Schedule a demo to see the PayGuard compliance engine in action. Whether you're a professional or a team leader, PayGuard helps you work smarter, ensure compliance, and accomplish more.