Information for employers

If a debtor in enforcement receives pay or other income, such as a pension or unemployment benefit, it can be garnished. In such cases, the enforcement authority sends a prohibition on payments to the employer or payer of the income. The prohibition on payments instructs the recipient what to do after the employee’s pay has been garnished.

When the employer has a received prohibition on payments, they must withhold the amount specified in the notice from the employee’s pay every month and remit it to the enforcement authority.

If the recipient of the prohibition on payments fails to comply with it, an amount corresponding to the sum left unremitted to the enforcement authority can be distrained from the recipient. Additional information on matters related to prohibition on payments is available from the enforcement authority.

Recipient’s contact details

The recipient of recipient of the prohibition on payments must provide their contact details to the enforcement authority (service address). The service address can be an e-mail address instead of a postal address. The notification can be made to Ulosottolaitos’ e-mail ulosotto.uo(at)

If the calculation of salaries has been outsourced, the enforcement authority can send the employer’s prohibition on payments to the organisation responsible for payroll calculation if the employer notifies the enforcement authority of the organisation’s contact details. Likewise, the enforcement office must be informed without delay of any changes to the service address.

Prohibition on payments

Garnishment of pay and examples of calculating the amount remitted to the enforcement authority

Garnishment calculator for recurring income

Garnishment of business income

Published 11.1.2023