Garnishment & Levy Processing demo

What the demo shows

Legal order teams read each garnishment or levy, protect exempt benefits, freeze and remit

An Intake agent reads each order, classifies it, checks for a Notice of Right to Garnish Federal Benefits and finds every account the debtor owns. A Lookback agent runs the 31 CFR 212 review: it lays out two months of the account day by day, lights every federal benefit deposit by the Treasury flag in its ACH batch header, and sets the protected floor. An Exemption agent stacks the state's rules on top from a versioned table, and a Recheck agent recomputes the protected amount from the raw journal without seeing the first result; any difference escalates. A Drafting agent writes the hold, the account-holder notice and the court answer, and a Remittance and release agent watches IRS 21-day holds and matches releases. A specialist approves, a second specialist checks, and only then does anything freeze, release or remit.

Transcript

1. 0:00Garnishment and Levy Processing reads every garnishment and levy for a bank's legal order team.
2. 0:09Each order gets just two business days for the federal benefits lookback.
3. 0:15This writ asks for $8,412.55 from his checking account.
4. 0:23The Lookback agent lights two Social Security deposits by their Treasury flag.
5. 0:30Only the $1,434.40 above the protected $3,686.00 floor can be frozen.
6. 0:42Pennsylvania adds no exemption, and a blind Recheck agent agrees to the cent.
7. 0:50Renata Okafor approves and sends it to a second specialist.
8. 0:57Dmitri Halloran checks the same evidence and signs.
9. 1:00The slice above the floor is frozen, no fee is charged, and the notice is queued.
10. 1:09Every value, source and signature is on the record.
11. 1:15The result: orders decided in minutes, with no protected benefits frozen.
12. 1:22Built on Botminds: agents, data, screens and governance on one platform.

The narration as written for the film. Captions are on the player.