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    Legal Protection

    What are emoluments attachment orders (garnishee orders)?

    An emoluments attachment order (EAO), commonly called a garnishee order, is a court order that allows a creditor to deduct money directly from your salary.

    Key points:

    • Creditors must obtain a court judgement before applying for an EAO

    • The deduction is made by your employer and paid to the creditor

    • You cannot have more than 25% of your salary attached by law

    • Many EAOs are unlawfully obtained and can be challenged

    Debt review can help you:

    • Prevent new EAOs from being issued

    • Apply to have existing unlawful EAOs suspended

    • Consolidate all debts into one manageable payment

    Expert Answer

    Provided by NCR-registered debt counsellors (NCRDC3106)

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    NDRC

    National Debt Review Center

    Registered debt counsellors helping South Africans achieve financial freedom since 2014. Your trusted partner in debt relief.

    041 012 5036041 012 5036 (Sales)[email protected]3rd Floor, Regus House, Fairview Office Park, 66 Ring Road, Greenacres, Port Elizabeth, 6000
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    Principal Debt Counsellor

    Sibabalwe Samora Dakana

    NCR: NCRDC3106DCASA Member: 0877
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    The National Debt Review Center (NDRC) is a registered debt counselling practice with the National Credit Regulator (NCR Registration: NCRDC3106). Our services are conducted in strict accordance with the National Credit Act 34 of 2005 and NCR Circular 09 of 2025 regarding DHS status updates.

    Important: Debt review is a regulated legal process. While under debt review, you will be unable to obtain further credit until a Clearance Certificate (Form 19) is issued or a court order declares you no longer over-indebted.

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    Company Reg: 2014/286439/07VAT: 4510302187Est. 2014

    © 2026 National Debt Review Center (Pty) Ltd. All rights reserved. Trading as NDRC. Company Reg: 2014/286439/07. NCR Registration: NCRDC3106.