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                                                          Garnishment of wages or pension


Garnishment of wages or pension is carried out by sending a garnishment notice to the employer or to the National Insurance Institute for Pensions and a notice to the debtor. Not only the basic labor remuneration, but also any other monetary remuneration / under civil contracts, management and control contracts, bonuses and others / are subject to seizure. Calculations are made for each month, taking all remunerations (main labor, additional premiums) and subtracting the amount for insurance and taxes deducted on behalf of the person and the amount of the garnishment is calculated from the net amount of money that the person has to pay. received. The recalculation does not deduct amounts that are withheld from the person for loans or any other forms of repayment that the person has voluntarily agreed to be repaid periodically.
 In case of alimony, the entire amount to be paid per month is attached. In this case, no non-sequestrable minimum applies. For example, if the person receiving BGN 500 per month has maintenance obligations of BGN 300 per month, the employer should withhold BGN 300 and pay the entire amount of the lien.
 Very often, when imposing garnishments on bank accounts where debtors receive their salaries, it is practically possible to garnish the entire amount on the account, if it appears to be non-sequestrable. In this case, the debtor should present a statement from the bailiff's bank account, in which it can be seen what the revenues are on these accounts and ask him to lift the lien, if they are non-sequestrable.


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