{ "tool_id": "art-572-multi-garnishment-stacking-recompute", "tool_version": "1.0.0", "display_name": "Multi-Garnishment Stacking Recomputation", "mcp_name": "recompute_garnishment_stack", "mandate_type": "analytics_mandate", "wave": 96, "gpu": false, "url": "https://ainumbers.co/chaingraph/art-572-multi-garnishment-stacking-recompute.html", "description": "Recomputes, for one stated pay period, how much of an employee's disposable earnings each order in a caller-declared garnishment stack may lawfully withhold, then compares the recomputed per-order withholding against a garnishment notice where one is supplied. Both an employer computing what to withhold and an employee or legal-aid clinic recomputing a notice they received can run the same arithmetic; neither side is privileged. Disposable earnings are computed from caller-supplied gross earnings less legally-required deductions. Each order type carries its own statutory cap: child-support orders use the CCPA Title III tiers of 50, 55, 60 or 65 percent keyed on arrears over 12 weeks and a second family; a federal tax levy is exempt from the CCPA percentage limitations and is capped here only at remaining disposable earnings, with the IRS wage-bracket exempt-amount table named as out of scope; a state levy uses a caller-declared percentage where supplied and otherwise defaults to the general CCPA cap, with no fifty-state table bundled; an HEA Administrative Wage Garnishment order is capped at 15 percent of disposable earnings and by the 30-times-federal-minimum-wage floor; and creditor and other orders use the general CCPA cap of 25 percent or the 30-times floor, whichever is less. Orders are withheld in the priority order the caller supplies, subject to each order's own cap and an aggregate ceiling equal to the single highest individual cap present in the stack, a documented simplification named in the artifact's not_proven list. A dated, caller-overridable federal minimum wage prefill feeds the 30-times floor. The verdict is MATCHES, DIVERGES, or INDETERMINATE, and INDETERMINATE covers both an empty order stack and a run where no noticed withholding amounts were supplied to compare against; neither case is guessed toward agreement. Money is fixed point in integer minor units throughout with two-decimal display. Cites the Consumer Credit Protection Act Title III, 29 CFR Part 870, DOL Fact Sheet 30, and 34 CFR Part 34 for the Administrative Wage Garnishment cap, each dated for re-verification against primary text. Stated boundary: this is not legal advice, and a divergence against a supplied notice is an arithmetic finding about the order stack and figures supplied here, never a determination that any order is valid, enforceable, or correctly served.", "input_schema_ref": "chaingraph/art-572-multi-garnishment-stacking-recompute.html#manifest", "consumes": [], "feeds": [], "status": "live", "conformance_fixtures": true, "compute_capability": "server", "compute_images": [ { "system": "sha256-source", "image_id": "sha256:40566c4874e0229d5ecd0a9656e3643dfaabfb3bfdc79ddc78a332d900bec3bf", "valid_from": "2026-07-10" }, { "system": "risc0", "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6", "valid_from": "2026-08-07" } ], "export_capability": [ "json" ], "compute_proof_ready": "ready", "deferred_reason": "New shard; awaiting the async GPU proving queue (S18 steady-state).", "compute_proof": { "type": "ZkVmReceipt", "system": "risc0", "receiptFormat": "groth16-bn254", "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6", "seal": "IHH7s6xO/n+qU8AraF+yiT+g1lFFaBQ1gogWPgR+shUo+IH8/I8tS2DYllRt2bOlml6r9vCM8fGYp9TuOKMzJiHaRlJQ9mHxf3wKTvpJXST4VkByNOaGKwRd6LYU61dMHYLu+el3nQd9Jb8Ff14JfaW1WhPhaqsSsyfmmtLMgEMdD87XIZzzYW/Fi3G+a2tRp1G7hImSNvlBdip6qgGXUA2m6edNj1c7EzDaqddlX2WasFoq0ak9TNPwwt6UWs1cHH9tf3W6BzKYU7GsmseSsiO2U1dhjgAP6U0k14cHWUsXUcsZ2VCCGOBwdrTVomVjqZq2Bv0vXbIsdUQ9Ge7IXw==", "journal": { "chaingraph_version": "0.4.0", "kernel_digest": "sha256:40566c4874e0229d5ecd0a9656e3643dfaabfb3bfdc79ddc78a332d900bec3bf", "output": { "aggregate_cap_display": "440.10", "aggregate_cap_minor_units": 44010, "ccpa_floor_display": "217.50", "ccpa_floor_minor_units": 21750, "citations": { "ccpa_general_cap": { "detail": "General garnishment ceiling of 25% of disposable earnings, or the amount by which disposable earnings exceed 30 times the federal minimum wage, whichever is less.", "source": "29 CFR Part 870 / CCPA Sec. 303" }, "ccpa_support_tiers": { "detail": "Support-order withholding tiers of 50/55/60/65% of disposable earnings, keyed on whether the obligor supports another spouse/child and whether arrears exceed 12 weeks. Re-verify against primary text before relying on it (research findings, not facts).", "source": "Consumer Credit Protection Act Title III, 15 U.S.C. Sec. 1673(b)" }, "dol_fact_sheet_30": { "detail": "General guidance on Title III of the CCPA, cited for the aggregate-ceiling pattern this kernel applies across a multi-order stack.", "source": "U.S. DOL Wage and Hour Division, Fact Sheet 30" }, "federal_tax_levy_exemption": { "detail": "A federal tax levy is exempt from the CCPA percentage limitations that bind every other order type modelled here. The IRS Publication 1494 wage-bracket exempt-amount table is NOT computed by this kernel.", "source": "26 U.S.C. Sec. 6334; CCPA Sec. 303(b)" }, "hea_awg": { "detail": "Administrative Wage Garnishment on defaulted federal student loans is capped at 15% of disposable earnings, and may not reduce weekly pay below 30 times the federal minimum wage.", "source": "34 CFR Part 34 (Administrative Wage Garnishment); DOL Fact Sheet 30" } }, "comparison_basis": "The recomputed side of every comparison is derived here from disposable earnings and the caller-declared order stack, allocated in the order the orders[] array was supplied. It is not read from a garnishment notice. A comparison is only meaningful because the two sides have independent provenance.", "currency": "USD", "diff": [ { "agrees": true, "detail": "The independently recomputed withholding equals the amount the notice states for this order.", "difference_display": "0.00", "difference_minor_units": 0, "in_order_stack": true, "noticed_display": "440.10", "noticed_minor_units": 44010, "order_id": "ord-1", "recomputed_display": "440.10", "recomputed_minor_units": 44010 }, { "agrees": true, "detail": "The independently recomputed withholding equals the amount the notice states for this order.", "difference_display": "0.00", "difference_minor_units": 0, "in_order_stack": true, "noticed_display": "0.00", "noticed_minor_units": 0, "order_id": "ord-2", "recomputed_display": "0.00", "recomputed_minor_units": 0 } ], "disposable_earnings_display": "733.50", "disposable_earnings_floored_at_zero": false, "disposable_earnings_minor_units": 73350, "employee_net_display": "293.40", "employee_net_minor_units": 29340, "employee_ref": "SYNTH-EMP-001", "federal_minimum_wage_display": "7.25", "federal_minimum_wage_minor_units": 725, "federal_minimum_wage_source": { "dated": "2009-07-24", "kind": "dated_prefill" }, "fence": "This is not legal advice. Orders are withheld in the priority order the caller supplies, subject to each order's own statutory cap and an aggregate ceiling equal to the single highest individual cap present in the stack. A federal tax levy is capped only at remaining disposable earnings, not the IRS exempt-amount table. A state levy uses a caller-declared percentage where supplied, otherwise the general CCPA cap. No 50-state table is bundled. A divergence against a supplied notice is an arithmetic finding about the figures supplied here, never a legal determination.", "first_uncapped_shortfall": "ord-2", "gross_display": "1000.00", "gross_minor_units": 100000, "indeterminate_reason": null, "legally_required_deductions": [ { "amount_display": "150.00", "amount_minor_units": 15000, "label": "Federal income tax withholding" }, { "amount_display": "76.50", "amount_minor_units": 7650, "label": "FICA" }, { "amount_display": "40.00", "amount_minor_units": 4000, "label": "State income tax withholding" } ], "minor_unit_exponent": 2, "not_proven": [ { "detail": "This kernel recomputes statutory-cap arithmetic from caller-declared facts about one pay period. It is not a substitute for counsel, a state agency, or the employer's own legal review.", "item": "Not legal advice" }, { "detail": "A federal_tax_levy order is capped only at remaining disposable earnings, not at the IRS Publication 1494 wage-bracket exempt-amount table, which this kernel does not compute.", "item": "Federal tax levy exempt amount" }, { "detail": "No 50-state table is bundled. A state_levy order uses the caller-declared state_overlay.state_levy_cap_percent where supplied; absent that, it defaults to the general CCPA cap, which may not be the correct figure for the governing state.", "item": "State levy percentage" }, { "detail": "The combined cap across every order in the stack is modelled here as the single highest individual statutory cap present. This is a documented simplification of a fact-specific area of law, not a comprehensive multi-order interaction rule for every jurisdiction.", "item": "Aggregate-ceiling simplification" }, { "detail": "Orders are withheld in the order the caller lists orders[] in. This kernel infers no priority from order type and does not verify that the supplied order matches the governing statute or a court's instructions.", "item": "Priority ordering" }, { "detail": "Gross earnings, legally-required deductions, and every order's claimed amount are caller-supplied and asserted, not independently verified against payroll records or a court order.", "item": "Input accuracy" } ], "note": "Deterministic multi-garnishment stacking recomputation for one stated pay period. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It performs no payroll processing and makes no assertion that any order is valid, enforceable, or correctly served.", "noticed_supplied": true, "order_count": 2, "orders": [ { "arrears_over_12wk": false, "cap_basis": "CCPA Title III support tier: 60% of disposable earnings (arrears>12wk=false, second_family=false).", "cap_display": "440.10", "cap_minor_units": 44010, "ccpa_capped": true, "claimed_amount_minor_units": 44010, "claimed_display": "440.10", "fully_withheld": true, "label": "Child support order, county court", "order_id": "ord-1", "second_family": false, "shortfall_display": "0.00", "shortfall_minor_units": 0, "type": "child_support", "withheld_display": "440.10", "withheld_minor_units": 44010 }, { "arrears_over_12wk": null, "cap_basis": "General CCPA cap: lesser of 25% of disposable earnings and the amount by which disposable earnings exceed 30x the federal minimum wage.", "cap_display": "183.38", "cap_minor_units": 18338, "ccpa_capped": true, "claimed_amount_minor_units": 30000, "claimed_display": "300.00", "fully_withheld": false, "label": "Creditor garnishment", "order_id": "ord-2", "second_family": null, "shortfall_display": "300.00", "shortfall_minor_units": 30000, "type": "creditor", "withheld_display": "0.00", "withheld_minor_units": 0 } ], "period_label": "2026-01-15 biweekly pay period", "rationale": [ "Garnishment stack recomputed for period 2026-01-15 biweekly pay period on employee reference SYNTH-EMP-001.", "Disposable earnings of 733.50 USD were derived from gross earnings of 1000.00 USD less 266.50 USD of legally-required deductions.", "The federal minimum wage figure used was 7.25 USD/hour (a dated prefill from 2009-07-24), giving a 30x weekly floor of 217.50 USD.", "2 orders were withheld in the priority order supplied, subject to each order's own statutory cap and an aggregate ceiling of 440.10 USD (the single highest individual cap present in the stack).", "The stack ran out of capacity at order ord-2, the first order whose claimed amount could not be withheld in full within its cap and the remaining disposable earnings and aggregate ceiling.", "Total withheld across the stack is 440.10 USD, leaving the employee 293.40 USD of disposable earnings for the period.", "The independently recomputed withholding agrees with every one of the 2 orders the notice states a figure for. The left-hand side was computed here from the order stack, not lifted from the notice.", "This is not legal advice. The statutory caps modelled here (CCPA support tiers, the general CCPA cap, the HEA AWG cap, and the federal-tax-levy CCPA exemption) are a simplification of a fact-specific area of law; a state's own wage-garnishment statute, a court's instructions, or counsel govern over this arithmetic." ], "rejected_inputs": [], "state_overlay": {}, "total_deductions_display": "266.50", "total_deductions_minor_units": 26650, "total_withheld_display": "440.10", "total_withheld_minor_units": 44010, "verdict": "MATCHES" } } } }