Attachment of Earnings Deduction Rates – Minimum and Maximum


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This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options. 

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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Janine Marsh

Financial Expert

My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.

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Updated 06 December 2023
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Attachment of Earnings Deduction Rates

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

If you’re worried about the attachment of earnings process, you are in the right place. Every month, over 12,000 people visit this site for guidance on debt topics.

In this easy-to-understand guide, you will discover:

  •  The process creditors use to enforce CCJ debt.
  •  What an Attachment of Earnings is, and how creditors get an order.
  •  How you might be able to reduce your repayments or even stop an Attachment of Earnings.
  •  The most recent rates for Attachment of Earnings and what income is not part of the calculation.
  •  What happens if you switch jobs or if you have to pay council tax Attachment of Earnings rates.

Our team has direct experience with debt-related issues, so we really do understand your situation. We’re here to offer clear, helpful advice to help you better navigate through this process.

How do creditors enforce CCJ debt?

If a creditor takes legal action against you to pay a debt and you still don’t pay, the creditor might be able to take further action, namely:

  1. Employ bailiffs to collect the debt or seize goods
  2. Have a Charging Order added to a property you own, which would prevent you from selling the property without paying off the debt first
  3. Ask for an Attachment of Earnings Order

Do you have to pay?

There are ways to have debt written off in the UK.

If you genuinely can’t afford your debt repayments then looking into whether you could have your payments lowered or written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.


Can you write off any of your debt?

1 of 5

How much debt do you have?

This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options. 

What is an Attachment of Earnings?

An Attachment of Earnings Order is a court order that instructs your employer to pay a percentage of your salary to the court, which is then forwarded to the creditor. 

Your employer can choose to take a small admin fee for doing so. 

An Attachment of Earnings can only be used if you owe more than £50 and if you aren’t self-employed. Some people working certain jobs cannot be subject to one of these orders either, including people in the Armed Forces. 

How do creditors get an Attachment of Earnings Order?

Creditors make an application for the order to the court, which then sends you a notification of the application in the post. You’ll receive an N56 Form, also called a Statement of Means. 

This form needs to be completed and returned to the court within eight days. It asks you to give information about your finances, including evidence of recent payslips. Ignoring this form can result in a court summons and even prosecution.

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt


To find out whether they could work in your situation, hit the button below.

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Attachment of Earnings Vs Direct Earnings Attachment

A Direct Earnings Attachment is similar to an Attachment of Earnings Order but they’re not the same. 

A Direct Earnings Attachment works in the same way but is implemented without an application or court hearing, but it can only be used to collect only arrears benefit overpayments, tax and tax credit overpayments. 

Another type of order is used to automatically collect child maintenance arrears. This is called a Deduction from Earnings Order. 

Can you stop an Attachment of Earnings?

Yes, it’s possible to stop an Attachment of Earnings by ticking a box to suspend the order on the Statement of Means form. 

You must give a good reason why you wish for the order to be suspended. Debt charities can explain what constitutes a good excuse for you. If it is suspended, you will be asked to pay the creditor directly yourself, but if you miss payments the order will be granted.

The benefit of stopping the order even though you have to make payments anyway is that your employer won’t need to make the payments to the court for you, and they therefore won’t know about the debt.

How much do you pay with an Attachment of Earnings?

The amount you pay from your wage is fixed by the court and depends on how much you earn. 

You must receive a minimum level of income before any money can be deducted from your wages, this is called the Protected Earnings Rate (PER). This is to ensure you can maintain essential living standards before repaying the debt. 

Your employer can never deduct any money that would leave you with less than the PER. 

Attachment of Earnings rates

The court instructs your employer how much they must take from your wages. This is based on individual circumstances and is called the Normal Deduction Rate (NDR). The NDR amount can never be deducted in full if it leaves you less than your PER.

There is no fixed Attachment of Earnings rates in this regard because it’s decided on a case-by-case basis by the court. However, it’s likely that a judge will use some type of increasing scale that rises with the level of income.

It can be frustrating to not have the exact rates and information in the public domain, just like this forum user expresses:

Attachment of Earnings rates

Source: https://forums.moneysavingexpert.com/discussion/comment/68416504#Comment_68416504 

But there is a fixed Attachment of Earnings rates when it comes to council tax debts. Keep reading for this information. 

What income is excluded from the Attachment of Earnings?

Not all of your income will be included in the calculations used to determine how much you have to pay. For example, the following won’t be considered:

  • Statutory maternity pay
  • Statutory paternity pay
  • Statutory redundancy pay
  • Statutory adoption pay

Statutory sick pay is considered income in an Attachment of Earnings. But if this is your only income it’s likely to fall below the threshold and you won’t have to pay any of it to the creditor. 

When does an Attachment of Earnings start?

Unless your next payday is within the next seven days, the first salary deduction will be your next payday. 

What if you switch jobs?

You must tell your new employer within seven days or you’re committing an offence. Your new employer will then send the correct amount to the court. 

Council tax Attachment of Earnings rates

After researching multiple council websites online, I found that the council tax Attachment of Earnings rates was consistent between multiple councils. Although, it’s always best to check the rates published on your council’s website if, in fact, they do publish them online. 

I’ve provided a breakdown of these rates below in two separate tables to show what you’ll pay if you get paid weekly or monthly:

Weekly council tax Attachment of Earnings rates

Net weekly earnings Weekly deductions Deduction rate
£75 or less Nil 0%
Exceeding £75 but not exceeding £135  £2.25 to £4.05 3%
Exceeding £135 but not exceeding £185  £6.75 to £9.25  5%
Exceeding £185 but not exceeding £225  £12.95 to £15.75  7%
Exceeding £225 but not exceeding £355  £27.00 to £42.60  12%
Exceeding £355 but not exceeding £505  £60.35 to £85.85  17%
More than £505  At least £85.85 17% and 50% of the amount above £505

Monthly council tax Attachment of Earnings rates

Net weekly earnings Weekly deductions Deduction rate
£300 or less Nil 0%
Exceeding £300 but not exceeding £550  £9.00 to £16.50  3%
Exceeding £550 but not exceeding £740   £27.50 to £37.00  5%
Exceeding £740 but not exceeding £900  £51.80 to £63.00   7%
Exceeding £900 but not exceeding £1,420  £108.00 to £170.40   12%
Exceeding £1,420 but not exceeding £2,020  £241.40 to £343.40   17%
More than £2,020  At least £343.40  17% and 50% of the amount above £2,020

What is a consolidated Attachment of Earnings?

A consolidated Attachment of Earnings Order can be used when more than one creditor has successfully applied to collect a debt from your wages. 

This way, only one lump sum payment will be made from your salary, but there can be additional court admin fees in the process making it unworthwhile. 

Avoid more arrears and enforcement action

No matter how bad you think your debt situation is, there is always a way out and there is always help to hand. 

Debt charities provide an invaluable service where they will assess your situation and recommend a debt solution. I strongly advise anyone to use these services if they’re worried about debts and arrears.

You can learn about some of the debt solutions you might be recommended on my How to Get Out of Debt page. 

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

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My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
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