How to Revoke a Wage Deduction in Illinois

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You can have more money on payday by revoking deductions that come out of your pay. Illinois statute 820 ILCS 115/9 specifies the legal deductions that your employer can withhold. The law requires employers to withhold taxes from employees' pay, but you can adjust the withholding on your Form W-4 to lessen the amount deducted. Keep in mind that wage garnishments are only revocable by a court. Voluntary wage deductions and assignments are revocable in Illinois if you follow the procedures for your employer.

Things You'll Need

  • Employee handbook
  • Loan agreement

Read your employee handbook or ask your employer what the company procedure is for revoking a deduction. Typically, you must ask for a revocation in writing for it to be valid.

Read your loan agreement if you are revoking a wage assignment. The agreement will specify the contact information for revocations.

Write a letter to your employer and lender revoking the deduction. In the letter to your employer, specify your employee number or Social Security number where the payroll department can delete the deduction. In the letter to your lender, specify your account number.

Mail the letter(s) to the appropriate personnel. You may be able to hand deliver the letter to your employer. However, mailing the letter by certified mail provides verification of your request if the deduction continues.

Look at your next paycheck to verify that your employer ceased the deduction. If you are revoking an assignment, it can take up to three pay periods before the deduction stops depending on the frequency of your pay.

Tips & Warnings

  • Be sure to include your contact information in your letters.
  • LawHelp, at https://lawhelpinteractive.org/login_form?template_id=template.2008-06-13.7970435494&set_language=en, provides an online program that assists you in writing assignment revocation letters to your employer and lender.
  • If you revoke an assignment, your lender may sue you for payment.

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