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Attachment of Earnings Orders — what to expect

An AEO is calculated using a statutory formula. Knowing it helps you plan — and negotiate — the deduction.

Attachment of Earnings3 min readReviewed July 2026

After a CCJ, a creditor can apply to the county court for an Attachment of Earnings Order. The court sets a 'protected earnings rate' — the amount you must be left with after deductions — and a 'normal deduction rate' taken from your pay above that.

The formula is based on your income and family situation. Ask for the calculation in writing and challenge it if it doesn't match your actual outgoings. Council tax and magistrates' court fines use different, more rigid formulas.

An AEO applies to employees, not the self-employed. If you change jobs or become self-employed, the order lapses — but you should still deal with the underlying debt, or the creditor may take further action.

General information, not personalised adviceThis article is written to inform. It isn't personalised debt or legal advice, and Debt Compass is not authorised by the Financial Conduct Authority. A team member can talk you through the options and point you to a free debt help service or authorised insolvency practitioner before you decide on anything.