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12-811.Trial and judgment.

Article XII. Judgments - Enforcement · Part 8. Wage Deductions · Last amended 1995 · Last verified July 20, 2026

In one sentenceLets the creditor or debtor contest the employer's answer without extra pleadings, gives the debtor a way to demand a hearing on exemption before the return date, and conditions any deduction order in the creditor's favor on proof the notice was mailed and the computation explained.

Full Text of 735 ILCS 5/12-811

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(a) The judgment creditor or the judgment debtor may contest the truth or sufficiency of the employer's answer and, in accordance with local court rules, the court shall immediately, unless for good cause the hearing is postponed, proceed to try the issues. The answer of the employer may be contested without further pleading. (b) At any time on or before the return date, the judgment debtor may request a hearing to dispute the wage deduction because the wages are exempt by notifying the clerk of court before that time, using forms as may be provided by the clerk of the court. To obtain a hearing in counties with a population of 1,000,000 or more, the judgment debtor must notify the clerk of court in person and in writing at the clerk's office before the return date specified in the summons or appear in court on the date and time specified in the summons. To obtain a hearing in counties with a population of less than 1,000,000, the judgment debtor must notify the clerk of the court in writing at the clerk's office on or before the return date specified in the summons. The Clerk of Court will provide a hearing date and the necessary forms that must be prepared by the judgment debtor or the attorney for the judgment debtor and sent to the judgment creditor and the employer, or their attorney, regarding the time and location of the hearing. This notice may be sent by regular first class mail. At the hearing the court shall immediately, unless for good cause the hearing is continued, proceed to try the issues.
(c) The trial shall be conducted as in other civil cases. (d) If the finding is against an employer, a deduction order shall be entered against the employer and in favor of the judgment debtor to whom the employer is indebted, in the same manner as if the facts are admitted.
(e) No deduction order shall be entered in favor of the judgment creditor unless the affidavit filed by the judgment creditor certifies that a copy of the wage deduction notice has been mailed to the judgment debtor, under Section 12-805, and the employer's answer provides a summary of the computation used to determine the amount of non-exempt wages. If the employer is a federal agency employer, a deduction order shall be entered in favor of the judgment creditor if (i) the affidavit filed by the judgment creditor certifies that a copy of the wage deduction notice has been mailed to the judgment debtor under Section 12- 805 and (ii) the federal agency employer identifies, on or with its periodic payments made under subsection (b-5) of Section 12- 808, the computation method used to determine the amount of non- exempt wages. A federal agency employer shall not be required to provide a summary of the computation used to determine the amount of non-exempt wages.

Plain-English Summary

Section 12-811 governs how a wage deduction dispute gets tried. Either the judgment creditor or the judgment debtor may contest the truth or sufficiency of the employer's answer to the interrogatories, and can do so without filing further pleadings -- the court proceeds to try the issues immediately, unless it postpones the hearing for good cause. Separately, at any time on or before the return date, the debtor may demand a hearing to argue the wages are exempt, by notifying the clerk in the way the statute prescribes: in person and in writing before the return date (or by appearing in court on that date) in counties of 1,000,000 or more people, or in writing on or before the return date in smaller counties. The clerk then sets a hearing date and supplies the forms the debtor or the debtor's attorney must send to the creditor and employer.

Once a hearing is held -- whether on the employer's answer or the debtor's exemption claim -- the trial is conducted the same way as any other civil case. If the finding goes against the employer, a deduction order is entered against the employer and in favor of the debtor to whom the employer is indebted, treated the same as if the facts had been admitted outright.

The section also puts real conditions on a deduction order entered in the creditor's favor: none may be entered unless the creditor's affidavit certifies that the wage deduction notice was mailed to the debtor under Section 12-805, and the employer's answer includes a summary of how it computed the non-exempt wage amount. Federal agency employers get a modified version of that second requirement -- rather than a computation summary, the employer must identify the computation method used on or with its periodic payments made under Section 12-808(b-5), and it is not otherwise required to provide the summary ordinary employers must supply.

Frequently Asked Questions

Who can challenge the employer's answer to the wage deduction interrogatories?

Either the judgment creditor or the judgment debtor may contest the truth or sufficiency of the employer's answer, and may do so without filing any further pleading.

How does a judgment debtor get a hearing to argue the wages are exempt?

The debtor must notify the clerk before the return date. In counties of 1,000,000 or more people, that means notifying the clerk in person and in writing, or appearing in court on the return date; in smaller counties, notifying the clerk in writing on or before the return date is enough.

What happens if the trial's finding goes against the employer?

A deduction order is entered against the employer and in favor of the judgment debtor to whom the employer is indebted, treated as if the facts had been admitted.

What must be true before a deduction order can be entered in the judgment creditor's favor?

The creditor's affidavit must certify that the wage deduction notice was mailed to the debtor under Section 12-805, and the employer's answer must include a summary of the computation used to determine the non-exempt wage amount.

Does a federal agency employer have to provide that computation summary too?

No. Instead, the federal agency employer must identify the computation method used on or with its periodic payments, and Section 12-811 states it is not required to provide the summary an ordinary employer must supply.

Amendment History

(Source: P.A. 89-28, eff. 6-23-95.)

Source & verification. Section text and amendment history are reproduced verbatim from the Illinois Compiled Statutes, published by the Illinois Compiled Statutes, Illinois General Assembly / Legislative Reference Bureau. Last verified July 20, 2026. · Official source
Also known as: wage deduction trial illinoisdispute wage garnishment exemption hearing illinoisdeduction order against employer illinoisrequesting a wage garnishment hearing illinois