West Virginia provides slightly stronger wage garnishment protections than the federal baseline by limiting consumer debt garnishment to 20% of disposable earnings, compared to the federal maximum of 25%. For a closer look, try the California Wage Garnishment Calculator or the Texas Wage Garnishment Calculator.
West Virginia's 20% Limit
The 5-percentage-point difference provides meaningful additional protection for West Virginia workers. This lower limit means you keep at least 80% of your disposable earnings.
Use our West Virginia Wage Garnishment Calculator to see your specific garnishment amount, or compare with Florida and New York Wage Garnishment Calculators. You can also visit our States page to explore garnishment laws in other states.
West Virginia Garnishment Process
In West Virginia, a creditor must obtain a judgment and file a suggestion for garnishment. The suggestion is served on your employer. West Virginia uses a continuing garnishment system.
Exemptions
West Virginia exempts Social Security, veterans benefits, unemployment compensation, and workers compensation. See our exemption filing guide for detailed steps and check out States With the Strongest Wage Garnishment Protections to understand how West Virginia compares nationally.
Compare West Virginia with other states at our comparison tool.
Need Help Beyond the Calculator?
If you're dealing with wage garnishment and looking for legal guidance, professional help may be the fastest path forward. Visit our Resources page to explore vetted options for legal help.