Minnesota provides enhanced wage garnishment protections by using 40 times the state minimum wage as the protection threshold. With Minnesota's minimum wage at $11.13/hour, this means $445.20/week is protected — more than double the federal $217.50/week threshold.
Minnesota's Enhanced Protections
Minnesota limits consumer debt garnishment to the lesser of 25% of disposable earnings or the amount exceeding 40 times the Minnesota minimum wage per week. This higher threshold provides significant protection for Minnesota workers.
Use our Minnesota Wage Garnishment Calculator to see your protected amount. For more info on other states, check out our State Garnishment Laws page or compare Minnesota with other states at our comparison tool.
Minnesota Garnishment Process
In Minnesota, a creditor must obtain a judgment and then file an earnings garnishment. Minnesota provides strong notice requirements and opportunities to claim exemptions. Learn more about the Illinois Wage Garnishment Calculator, Texas Wage Garnishment Calculator, and Florida Wage Garnishment Calculator for comparison.
Exemptions
Minnesota exempts Social Security, veterans benefits, unemployment compensation, and workers compensation. Minnesota also provides hardship exemptions and protections for retirement benefits. For more detailed info on exemptions, see our articles on How to File a Wage Garnishment Exemption and North Carolina Wage Garnishment Exemptions Explained.
Need Help Beyond the Calculator?
If you're dealing with wage garnishment or debt collection issues, professional help may be the fastest path forward. Visit our Resources page to explore vetted options for debt relief.
Compare Minnesota with other states at our comparison tool, and find calculators for California Wage Garnishment Calculator, New York Wage Garnishment Calculator, and Georgia Wage Garnishment Calculator to evaluate protections elsewhere.