State Laws Regulating Wage Garnishments
A wage garnishment is one method a creditor might use to recover unpaid debt. Federal law exempts from garnishment 75% of disposable earnings per week, or an amount up to thirty times the federal minimum hourly wage, whichever is greater. Some states still have wage garnishment laws in place; however, when the federal law provides a larger exemption than the state law, the federal law supersedes the state law.
Note: The state wage garnishment amounts in this section apply to creditors and debt collectors only. Your wages can always be garnished for delinquent taxes, student loans, child support and alimony in amounts that are sometimes higher than those listed in this section.
Click on a state link at right to find out the wage garnishment information for a particular state. Also provided for each state are the bankruptcy property exemptions, information about judgments, maximum interest rates that can be charged, bad check laws and statute of limitations for debt collection.