WW Benefit and Garnishment: How Do You Protect Your Income?
In case of debts, a bailiff may levy garnishment on your WW benefit, but parts of it are protected. This article explains how you can stop or limit execution according to the garnishment-free amount, with practical steps and legal options.
Calculating the Garnishment-Free Amount
The garnishment-free amount is the minimum amount for living expenses. For a single person with WW, this is approximately 90% of the garnishment-free amount (e.g., €1,342 net in 2025). The bailiff must respect this.
Objection to Garnishment
If the garnishment is too high, file an objection with the enforcement judge within 8 days. Provide income details and household composition. The UWV can provide a 'garnishment notice'.
Engaging Debt Assistance
Via the municipality, you can apply for WSNP or start a debt restructuring process. This temporarily stops executions. For WW recipients, relaxed rules apply in cases of poverty.
Prevention and Tips
Report changes to the UWV in time to prevent garnishee attachment. Consider a bank garnishment-free account. In urgent need: apply for an advance from UWV. (202 words)