Increasing Garnishments for Credit Card Debt Add to Payroll Administrative Drain

Guest blog post by Kristen Wylie, Product Marketing Manager, Kronos, Inc.

One in 10 working Americans between the ages of 35 and 44 are getting their wages garnished. This stat comes from a national study on wage garnishment published by NPR and ProPublica earlier this week. These garnishments include the expected child support payments, tax levies, bankruptcies and liens. But increasingly, workers are seeing their pay docked due to credit card debt, medical bills or student loans.

garnishmentIn fact, according to ADP research that contributed to the NPR study, about four million workers — about 3 percent of all employees — had wages taken for a consumer debt in 2013. NPR and ProPublica revealed that one retail giant with 250,000 employees nationwide doubled the number of employees who had their pay seized for consumer debt in the past seven years (about 5,000 of the retailer’s employees currently have ongoing garnishments for consumer debt, and about 2,500 employees for student loan debt).

This increase in employee garnishments is a growing drain for already burdened payroll administrators, particularly in industries with the highest percentage of garnished employees. In manufacturing, nearly 50 percent of companies have garnished employees; in transportation and utilities, it’s more than 40 percent.

Different garnishment rules and processes create a legal maze that can be difficult to navigate. Consider the disparate sources that need to be coordinated for garnishment disbursement: courts, disbursement centers, spouses, lawyers, custodial parents, etc. And each may require different forms and terms.

Managing garnishment compliance is further complicated by widely varying state laws. For example, Texas, Pennsylvania, North Carolina and South Carolina largely prohibit wage garnishment stemming from consumer debt, yet more than half of U.S. states allow creditors to take 25 percent of after-tax wages.

According to Amy Bryant, a payroll consultant and author quoted in the NPR article, it’s easy for employers to make garnishment mistakes which may lead to the organization becoming liable for a portion or even the entirety of the debt in some states.

Employers need to be confident that all payments are being made accurately and on time to the multitude of receiving parties in each state. Whether you process garnishments in-house or outsource the task, select a technology partner that can help you streamline the time-consuming process with confidence. With the right solution in place, you’ll be able to minimize compliance risk and penalties, reduce operating expenses, and increase payroll efficiencies.


Can it pay to be sick?

Guest blog post by Jim Manfield, Product Marketing Manager, Kronos, Inc.

With summer winding down and the kids back at school, it got me thinking about what’s right around the corner… Halloween? Nope. Thanksgiving? Nope. Holiday shopping? Nope. What else could I mean but cold and flu season?! I can already hear the melodies of sneezes and sniffling from around the office now. Good times ahead!

I recently was alerted to the following news: – and it struck me. IT CAN PAY TO BE SICK, at least in Connecticut – the only state requiring employers to offer their employees paid sick days, and soon in California. But with this comes the tracking of sick day accumulation, usage and ensuring your company stays in compliance. Just what the already overtaxed HR staff needs.

Managing your employee information is essential.   A sound workforce management strategy should include the automation of time & attendance coupled with, accruals and absence management to relieve the burden on HR and reduce the administrative headaches and compliance risk associated with leave laws, like the one that the California Legislature passed.

Hidden Absence Costs Add Up

The cost of unplanned absence is having a huge impact on organizations’ payroll. Do you know your number?

To learn more about the pitfalls of unplanned absence and how to gain control of these costs, SHRM and Kronos will present survey findings and best practices in this Thursday’s webinar: Hidden Absence Costs Add Up, How You Can Keep Them from Weighing You Down.

Learn how a fully automated absence management system can help:

  • Efficiently manage scheduled and unscheduled absence
  • Identify and rectify costly absence trends
  • Use real-time data visibility for quick fixes to last minute absences
  • Minimize compliance risk associated with FMLA

To register visit:



What’s the easiest way to plan better employee schedules?

Guest blog post by Jennifer Ardery, Product Marketing Manager, Kronos, Inc.

Begin with an accurate forecast. You can’t use guesswork to align labor to demand. At a minimum, you should look for historical trends. forecastingSeasonality may be the biggest variable at your organization or day of the week, or maybe the same local event affects your business year after year. There are typically patterns that drive fluctuating demand, but they are difficult to find manually. Having the flexibility to re-forecast when unexpected occurrences arise is important too.

An accurate forecast is the foundation for creating a best-fit schedule – requiring less staffing changes once the schedule has been posted. Forecasting demand to come up with an equitable workload plan is important in all industries, although the benefits can be experienced differently. I’ll cover a couple of examples.


Traditionally, hospitals use the static, budgeted census, to determine how many nurses are needed to satisfy patient demand. However, it is common that on one day, a unit will have a staffing shortage, but need to send staff home the next day due to over-coverage. This practice often results in generating inadequate schedules that require numerous daily staffing changes as it does not take predictable, fluctuating demand and historical data into account.

Leading organizations require more intelligent volume forecasts to plan best-fit schedules that align staffing to demand. By predicting future patient volumes, staffing managers:

  • Gain confidence that resources are properly scheduled to meet fluctuating demand by day, month, and shift;
  • Experience reduced reliance on overtime and expensive agency resources by minimizing over- and under-staffing; and
  • Increase employee and patient satisfaction as resources are scheduled when and where they need to be.


Today’s leading retailers typically require forecasted demand down to 15-minute increments. Store managers may be able to manually estimate the number of employees needed to cover an average week or month, but most likely not for a particular shift on a particular day. Typically, automated forecasting solutions use algorithms behind the scenes to allow store managers to create accurate forecasts based on a wide range of definable metrics, including sales, transactions, customers served, units sold, etc.

By aligning labor with anticipated customer demand, you can help ensure that both employee and customer needs are fully met. An accurate forecast will help:

  • Schedule the right person, in the right place, at the right time
  • Keep your budget in line with expectations by reducing overstaffing
  • Improve productivity, customer service, and sales conversion by avoiding understaffing


How do you forecast at your organization? Does it help build better schedules?

What happens in Vegas…

Guest blog post by Lauren Farah, Product Marketing Specialist at Kronos, Inc.

VegasWe all know the old saying “What happens in Vegas, stays in Vegas” and that was a big part of the city’s appeal (thanks to some marketing geniuses.) Yes, the strip is lined with beautiful resorts, top chef restaurants and amazing shows for every age (Céline Dion anyone?) – but many people travel to the City Of Sin to indulge in all things, well, sinful. One could spend three wild, sleepless nights in the dry 100+ degree desert heat, and leave all the guilt behind. But I hate to break it to you, times have changed. And I am not just talking about really smart phones capturing all the hazy memories and leaving them in an embarrassing place in social media for all eternity. I am talking about the Vegas trip that no one will want to forget.

This year’s KronosWorks is taking place at the ARIA resort in Las Vegas from November 9-12, and our users will want to bring back as much information and memories back to the office (yes, I said office) as they can cram in their craniums, and there is a lot to be crammed. KronosWorks is the annual Kronos customer conference that not only provides users with education sessions, individual discussions with experts and executives, and endless networking opportunities with fellow users, but also hands on training workshops and labs.

Now, I am not saying that hands-on training is the best part of the conference, because believe me, everything about this conference is beneficial, but the benefits of training in front of your own demo environment, with an expert instructor is almost crazy to pass up. Which is why this year, we are introducing a track of sessions specifically for our Kronos Workforce Ready® customers with an emphasis on the hands-on training labs. So, What Are the Benefits of Hands-on Training? This training style increases retention from 20% to 75% while your critical thinking also greatly increases, allowing you to apply the training to your specific business.

I hear and I forget

I see and I remember

I do and I understand


At Kronos, we don’t want to be the only experts of your workforce management solution – we want YOU to be your own expert too. We want our customers to be masters of workforce management, running the business as efficiently and effectively as possible – that’s what will put you ahead of the competition and allow your business to flourish.

So what are you waiting for? Register today and benefit from our early-bird specials!

Who Doesn’t Love the Marauders Map in Harry Potter?

Guest blog post by Melissa Tetreau, Product Marketing Manager at Kronos, Inc.

“This map shows everyone. Where they are, what they are doing, every minute of every day.”

I recently read an article posted on called How (And Why) To Hack Your Office With iBeacons. The article tells the story about how a Digital Advertising company, Huge, is beginning to use iBeacon technology in the workplace –for example “Being able to guide an employee or guest to a specific conference room could cut out a lot of wasted time.”

Throughout the article I kept wondering how there weren’t more documented cases like this. With such hot topics – location services and Harry Potter – how come more companies weren’t trying to make the magical Marauders Map a reality?

For the readers that are unfamiliar with the Harry Potter, allow me to explain the Marauders Map. The map is a magical map of Hogwarts – naturally. At first glance, it is simply a blank piece of parchment; but with a little magic it becomes a detailed layout of Hogwarts. The map displays the location of everyone within the castle and its grounds, and includes the location of passageways and instructions on how to access them. As a character in the movie simply states, “This map shows everyone. Where they are, what they are doing, every minute of every day.”

Unfortunately as common folk we do not have access to magic spells and wizardry, but we do have the ability to build great technology. As Kronos works to solve problems within the workforce management environment, this article gives great insight into how location services can be brought indoors. Tracking people, tracking supplies, and tracking rooms are all cases that could potential add value within companies willing to adopt this type of idea.

While tracking people may have a negative connotation, it opens doors for those people willing to see the bigger picture. “For example, if we gather the location data of all our employees, we can identify high and low traffic areas. That data could then be used to inform climate/lighting controls for specific areas, resulting in a more ‘green’ office.”

To read the full article – which I highly recommend – click on the article below:

How (And Why) To Hack Your Office With iBeacons

The Big Game(s)

Guest blog post by Jim Manfield, Product Marketing Manager at Kronos, Inc.

In the United States the Super Bowl is watched by millions and millions of people. Often at parties. And surprise, surprise, it lowers productivity on Super Bowl Monday, a day many wish was a national US holiday. For those who make it to work, much of the day is spent discussing the game with coworkers. Or swallowing advil. Many more call out sick, take a personal day, or don’t show up at all: . The effects are clear and have been discussed in many forums on many occasions. Here’s an example: .

But what happens when your team plays in multiple big games?! We’re currently in the final stages of World Cup 2014. Germany, Brazil, Argentina and the Netherlands have made it to the semifinals. Do you think work has been affected in those countries?

Each team plays their 6th game in the last month in the semifinals. Assuming their fans have only watched their teams’ games (given what I know about futbol fans, I’m sure this is not the case), that’s at least 540 minutes (9 hours) of game action so far. I’m oversimplifying what with all the pre-game party time, half time, injury time, extra time, penalty kick time; that’s a lot of time! And in Germany and the Netherlands, given that the games have mostly taken place during the late night or early morning hours, I’m sure there have been plenty of absent or tired workers.

In Germany, they’re trying to accommodate their fans: . Maybe the same thing is happening in the other countries too. Regardless of the impact on productivity, how can a company handle these new “come-to-work-late” policies that might be in place for a month or so? Or continue to enforce no-show policies for those that are late or don’t show up after the games, or during the games? With an automated system of course: !! A system designed to provide automated enforcement of any absence related policies.

Now if only it could make Super Bowl Monday a holiday!!!