A garnishee notice is a document issued by the Australian Tax Office (ATO) to any third party that is holding money for or owing money to you when you have an outstanding tax debt. This notice allows the ATO to bypass you, legally ordering the third party to pay the amount related to your tax debt directly to them.

Which third parties can receive a garnishee notice?

Garnishee notices can be issued to any individual, business or institution that is owing to, or holding money for you. This includes, but is not limited to:

  • Banks
  • Superannuation institutions
  • Employers
  • Trustees
  • Debtors of your business

What to do if you receive a garnishee notice or warning

Prevention is always better than cure, so if you are experiencing financial hardship or have received a warning letter from the ATO, acting promptly is the best course of action. 

The first step is to call your trusted team at Tax Negotiators.

With a combined industry experience of over 50 years, we are experts in dealing with the ATO to negotiate tax debts. Our friendly staff can not only formulate a payment plan, but help you manage your cash flow so that you can clear your debt sooner.

Should warning letters be ignored, receiving a garnishee notice can be harmful to your business and relationships. It may not only be embarrassing for you, but awkward for the third party that receives the notice as it forces them to be involved in your finances. In addition to this, the tax office charges a high daily interest rate on unpaid tax debts so the sooner it is repaid, the better.

To get started, give us a call on 1300 277 148 or send an email to help@taxnegotiators.net.au.


Australian Government. ‘If You Don’t Pay’, ato.gov.au, online, 2022, https://www.ato.gov.au/general/paying-the-ato/if-you-don-t-pay/#Garnisheenotices (Accessed 1 June 2022)