Code of Federal Regulations Title 20. Employees' Benefits § 20.422.415 Will we reduce the amount that your employer must withhold from your pay when withholding that amount causes financial hardship?

(1) You may ask us at any time to reduce the amount due to financial hardship.

(2) If you request review of the payment schedule stated in the notice described in § 422.405 within the 60–day period stated in the notice, we will not issue a garnishment order to your employer until we notify you of our decision.

(1) Fixed expenses such as food, clothing, housing, utilities, maintenance, insurance, tax payments;

(2) Medical, hospitalization and similar expenses;

(3) Expenses for the support of others for whom you are legally responsible;  and

(4) Other reasonable and necessary miscellaneous expenses which are part of your standard of living.

(1) We will not reduce the amount that your employer withholds from your disposable pay if your debt was caused by:

(2) “Willful concealment” means an intentional, knowing and purposeful delay in providing, or failure to reveal, material information.