Administrative Wage Garnishment

Learn about the administrative wage garnishment (AWG) process, including how to request an AWG hearing.


SBA may order your employer to pay a portion of your disposable pay to satisfy delinquent non-tax debt owed to the United States through a process called administrative wage garnishment (AWG).

SBA debtors undergoing AWG have the right to a hearing before a hearing official if it’s requested in writing disputing either (1) the existence or amount of the debt, or (2) the terms of the repayment schedule (except a repayment schedule the debtor and SBA agreed to in writing).

Hearings for AWG Initiated by the Treasury Department

If you wish to request a hearing, and the Treasury Department or a private collection agency working for the Treasury Department has initiated the AWG (on behalf of SBA), follow the instructions on the Notice of Intent to Initiate Administrative Wage Garnishment that you received. If you have any questions, contact the Treasury Department at:

U.S. Department of the Treasury

Attn: AWG Analyst

Administrative Wage Garnishment Liaison

PO Box 830794

Birmingham, AL 35283-0794


1-866-896-2947 Telecommunications Device for the Deft (TDD)

Hearings for AWG initiated by SBA’s National Disaster Loan Resolution Center

If SBA initiated the AWG and you wish to request a hearing, complete and submit the AWG Hearing Request Form.

NOTE: This form is not for use on loans serviced by the Treasury Department.

Last updated August 19, 2020