# 15 C.F.R. § 19.13 (2026): How will Commerce entities use administrative wage garnishment to collect a Commerce debt from a debtor's wages? > Federal · Regulations · In force URL: https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_13 ## Section - **Citation:** 15 C.F.R. § 19.13 (2026) - **Heading:** How will Commerce entities use administrative wage garnishment to collect a Commerce debt from a debtor's wages? - **Jurisdiction:** Federal - **Kind:** Regulations - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Title 15 CFR: Commerce and Foreign Trade / Part 19: COMMERCE DEBT COLLECTION / Subpart B: Procedures To Collect Commerce Debts / § 19.13: § 19.13 How will Commerce entities use administrative wage garnishment to collect a Commerce debt from a debtor's wages? ## Text (a) Commerce entities are authorized to collect Commerce debts from an individual debtor's wages by means of administrative wage garnishment in accordance with the requirements of 31 U.S.C. 3720D and 31 CFR 285.11. This part adopts and incorporates all of the provisions of 31 CFR 285.11 concerning administrative wage garnishment, including the hearing procedures described in 31 CFR 285.11(f). Commerce entities may use administrative wage garnishment to collect a delinquent Commerce debt unless the debtor is making timely payments under an agreement to pay the Commerce debt in installments ( see § 19.6 of this part). At least thirty (30) days prior to initiating an administrative wage garnishment, Commerce entities will send notice to the debtor in accordance with the requirements of § 19.4 of this part, including the requirements of § 19.4(a)(10) of this part. For Commerce debts referred to the Bureau of the Fiscal Service under § 19.9 of this part, Commerce entities may authorize the Bureau of the Fiscal Service to send a notice informing the debtor that administrative wage garnishment will be initiated and how the debtor may request a hearing as described in § 19.4(a)(10) of this part. If a debtor makes a timely request for a hearing, administrative wage garnishment will not begin until a hearing is held and a decision is sent to the debtor. See 31 CFR 285.11(f)(4). Even if a debtor's hearing request is not timely, Commerce entities may suspend collection by administrative wage garnishment in accordance with the provisions of 31 CFR 285.11(f)(5). All travel expenses incurred by the debtor in connection with an in-person hearing will be borne by the debtor. (b) This section does not apply to Federal salary offset, the process by which Commerce entities collect Commerce debts from the salaries of Federal employees ( see § 19.12 of this part). ## Nearby sections - [15 C.F.R. § 19.4 (2026) § 19.4 What notice will Commerce entities send to a debtor when collecting a Commerce debt?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_4.md) - [15 C.F.R. § 19.5 (2026) § 19.5 How will Commerce entities add interest, penalty charges, and administrative costs to a Commerce debt?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_5.md) - [15 C.F.R. § 19.6 (2026) § 19.6 When will Commerce entities allow a debtor to pay a Commerce debt in installments instead of one lump sum?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_6.md) - [15 C.F.R. § 19.7 (2026) § 19.7 When will Commerce entities compromise a Commerce debt?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_7.md) - [15 C.F.R. § 19.8 (2026) § 19.8 When will Commerce entities suspend or terminate debt collection on a Commerce debt?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_8.md) - [15 C.F.R. § 19.9 (2026) § 19.9 When will Commerce entities transfer a Commerce debt to the Treasury Department's Bureau of the Fiscal Service for collection?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_9.md) - [15 C.F.R. § 19.10 (2026) § 19.10 How will Commerce entities use administrative offset (offset of non-tax Federal payments) to collect a Commerce debt?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_10.md) - [15 C.F.R. § 19.11 (2026) § 19.11 How will Commerce entities use tax refund offset to collect a Commerce debt?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_11.md) - [15 C.F.R. § 19.12 (2026) § 19.12 How will Commerce entities offset a Federal employee's salary to collect a Commerce debt?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_12.md) - [15 C.F.R. § 19.13 (2026) § 19.13 How will Commerce entities use administrative wage garnishment to collect a Commerce debt from a debtor's wages?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_13.md) - [15 C.F.R. § 19.14 (2026) § 19.14 How will Commerce entities report Commerce debts to credit bureaus?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_14.md) - [15 C.F.R. § 19.15 (2026) § 19.15 How will Commerce entities refer Commerce debts to private collection agencies?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_15.md) - [15 C.F.R. § 19.16 (2026) § 19.16 When will Commerce entities refer Commerce debts to the Department of Justice?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_16.md) - [15 C.F.R. § 19.17 (2026) § 19.17 Will a debtor who owes a Commerce or other Federal agency debt, and persons controlled by or controlling such debtors, be ineligible for Federal loan assistance, grants, cooperative agreements, or other sources of Federal funds or for Federal licenses, permits, or privileges?](https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_17.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T15_P19_S19_13. 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