AZ Garnishment Law
Arizona follows the federal Consumer Credit Protection Act for wage garnishment limits on consumer debts. Creditors must obtain a court judgment before garnishing wages in Arizona, and the garnishment is limited to 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage. Arizona's garnishment procedures require specific court filings and employer compliance timelines.
| State abbreviation | AZ |
|---|---|
| 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 | $14.35 |
| Minimum wage source used in calculator | Federal minimum wage baseline |
| Head of household protection | No additional protection listed |
| Statute reference | Arizona Revised Statutes §12-1598 |
Arizona follows federal CCPA limits for consumer debt garnishment. The state has specific procedures for garnishment writs that must be followed by employers.
Tax levy note: Arizona follows federal guidelines for tax levies. State tax levies are handled by the Arizona Department of Revenue.