Any garnishment issued pursuant to § 8.01-511 shall be in the following form:

1. (a) Front side of summons:

   GARNISHMENT SUMMONS

   (Court Name)

   (Name, address, and telephone number of judgment creditor except that when the judgment creditor's attorney's name, address, and telephone number appear on the summons, only the creditor's name shall be used.)

   (Name, address, and telephone number of judgment creditor's attorney)

   (Name, street address, and social security number of judgment debtor)

   (Name and street address of garnishee)

   ________________________ Hearing Date and Time

   This is a garnishment against (check only one of the designations below):

   a

   [ ] wages, salary, or other compensation.

   [ ] some other debt due or property of the judgment debtor

   a	MAXIMUM PORTION OF DISPOSABLEEARNINGS SUBJECT TO GARNISHMENT	STATEMENT
   b	[ ] Support	Judgment Principal	$ _____
   c	[ ] 50% [ ] 55% [ ] 60% [ ] 65%	Credits	$ _____
   d	(if not specified, then 50%)	Interest	$ _____
   e	[ ] state taxes, 100%	Judgment Costs	$ _____
   f	If none of the above is checked,	Attorney's Fees	$ _____
   g	then section § 34-29 (a) applies.	Garnishment Costs	$ _____
   h		TOTAL BALANCE DUE	$ _____
   i		The garnishee shall relyon this amount

   ___________________________________________ Date of Judgment

   TO ANY AUTHORIZED OFFICER: You are hereby commanded to serve this summons on the judgment debtor and the garnishee.

   TO THE GARNISHEE: You are hereby commanded to

2. (1) File a written answer with this court, or
3. (2) Deliver payment to this court, or

4. (3) Appear before this court on the return date and time shown on this summons to answer the Suggestion for Summons in Garnishment of the judgment creditor that, by reason of the lien of writ of fieri facias, there is a liability as shown in the statement upon the garnishee.

   As garnishee, you shall withhold from the judgment debtor any sums of money to which the judgment debtor is or may be entitled from you during the period between the date of service of this summons on you and the date for your appearance in court, subject to the following limitations:

5. (1) The maximum amount which may be garnished is the "TOTAL BALANCE DUE" as shown on this summons.
6. (2) If the sums of money being garnished are earnings of the judgment debtor, then the provision of "MAXIMUM PORTION OF DISPOSABLE EARNINGS SUBJECT TO GARNISHMENT" shall apply.

7. (3) If the garnishee is a financial institution, only the funds in a judgment debtor's account that exceed the total sum of the minimum protected account balance and protected amount, as both terms are defined in § 34-4.4, shall be subject to withholding.

   If a garnishment summons is served on an employer having 1,000 or more employees, then money to which the judgment debtor is or may be entitled from his or her employer shall be considered those wages, salaries, commissions, or other earnings which, following service on the garnishee-employer, are determined and are payable to the judgment debtor under the garnishee-employer's normal payroll procedure with a reasonable time allowance for making a timely return by mail to this court.

   ______________________________________

   Date of Issuance of Summons

   ______________________________________

   Clerk

   ______________________________________

   Date of delivery of writ of fieri facias to sheriff if different from date of issuance of this summons.

8. (b) A plain language interpretation of § 34-29 shall appear on the reverse side of the summons as follows:

   "The following statement is not the law but is an interpretation of the law which is intended to assist those who must respond to this garnishment. You may rely on this only for general guidance because the law itself is the final word. (Read the law, § 34-29 of the Code of Virginia, for a full explanation. A copy of § 34-29 is available at the clerk's office. If you do not understand the law, call a lawyer for help.)

   An employer may take as much as 25 percent of an employee's disposable earnings to satisfy this garnishment. But if an employee makes the minimum wage or less for his week's earnings, the employee will ordinarily get to keep 40 times the minimum hourly wage."

   But an employer may withhold a different amount of money from that above if:

9. (1) The employee must pay child support or spousal support and was ordered to do so by a court procedure or other legal procedure. No more than 65 percent of an employee's earnings may be withheld for support;
10. (2) Money is withheld by order of a bankruptcy court; or

11. (3) Money is withheld for a tax debt.

    "Disposable earnings" means the money an employee makes after taxes and after other amounts required by law to be withheld are satisfied. Earnings can be salary, hourly wages, commissions, bonuses, or otherwise, whether paid directly to the employee or not. After those earnings are in the bank for 30 days, they are not considered earnings any more.

    If an employee tries to transfer, assign, or in any way give his earnings to another person to avoid the garnishment, it will not be legal; earnings are still earnings.

    An employee cannot be fired because he is garnished for one debt.

    The determination of what part of a person's earnings can be garnished is the responsibility of the employer, regardless of whether such earnings are paid to the employee by direct deposit.

1983, c. 399; 1994, c. 40; 1995, c. 379; 1996, c. 1051; 2006, c. 55; 2017, cc. 36, 143; 2026, cc. 637, 638, 1019, 1090.