AL Garnishment Law
Alabama follows the federal Consumer Credit Protection Act (CCPA) for wage garnishment limits, meaning creditors can garnish up to 25% of your disposable earnings or the amount by which your weekly disposable earnings exceed 30 times the federal minimum wage, whichever is less. Alabama does not provide additional protections beyond federal law, making it one of the states that adheres strictly to the federal baseline.
| State abbreviation | AL |
|---|---|
| Consumer debt limit | 25% of disposable earnings, subject to the 30x minimum wage test |
| Child support limit | 50% if supporting another family, 60% otherwise, plus 5% for arrears |
| Federal student loans | 15% administrative garnishment cap |
| State minimum wage | $7.25 |
| Minimum wage source used in calculator | Federal minimum wage baseline |
| Head of household protection | No additional protection listed |
| Statute reference | Alabama Code Title 6, Chapter 10 |
Alabama follows federal garnishment limits under the CCPA. No additional state protections beyond federal law.
Tax levy note: IRS uses its own formula based on filing status and dependents. Alabama follows federal guidelines for state tax levies.