Wyoming follows the federal CCPA baseline for wage garnishment, allowing creditors to garnish up to 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage, whichever is less. Wyoming has no state income tax, which can affect the disposable earnings calculation. You can also check California Wage Garnishment Calculator, Texas Wage Garnishment Calculator, and Florida Wage Garnishment Calculator for more state-specific info.
How Much Can Be Garnished in Wyoming? A Worked Example
The math matters more than the percentages. In Wyoming, a creditor with a judgment for consumer debt is limited by two tests, and must use whichever takes less: the percentage cap, and the protected floor of $217.50 per week (30× the federal minimum wage of $7.25/hour). Everything at or below that floor is untouchable.
Here is what that means at three income levels. The table assumes roughly 25% of gross pay goes to legally required deductions (federal and state taxes, Social Security, Medicare); your actual disposable earnings — the number the law actually uses — will vary with your tax situation.
| Gross weekly pay | Estimated disposable earnings | Max weekly garnishment | Share of disposable pay |
|---|---|---|---|
| $600.00 | $450.00 | $112.50 | 25.0% |
| $900.00 | $675.00 | $168.75 | 25.0% |
| $1,500.00 | $1,125.00 | $281.25 | 25.0% |
Notice how the protected floor changes the picture for lower incomes. To run your own paycheck through the current formula, use the Wyoming wage garnishment calculator.
Wyoming vs. the Federal Baseline
| Rule | Federal (CCPA) | Wyoming |
|---|---|---|
| Consumer debt limit | 25% of disposable earnings | 25% of disposable earnings |
| Protected weekly floor | $217.50 (30× federal minimum wage) | $217.50 per week (30× the federal minimum wage ($7.25/hr)) |
| Child support | 50–65% of disposable earnings | 50% supporting another family / 60% otherwise, +5% for arrears |
| Federal student loans | 15% of disposable earnings | 15% (federal administrative rule) |
| Head-of-household protection | None | No additional state protection |
Wyoming follows the federal baseline, so the CCPA numbers above are your actual protection — there is no additional state cushion for consumer debts.
Wyoming Garnishment Process
In Wyoming, a creditor must obtain a judgment and file a garnishment order. The order is served on your employer. Wyoming uses a continuing garnishment system.
Calculate your garnishment with our Wyoming Wage Garnishment Calculator. You can also compare Wyoming with other states using our comparison tool.
Wyoming Exemptions
Wyoming exempts Social Security, veterans benefits, unemployment compensation, and workers compensation from garnishment. Because Wyoming has no state income tax, your disposable earnings may be higher.
Taking Action
Wyoming Wage Garnishment FAQ
Can my wages be garnished in Wyoming without a court judgment?
Not for consumer debts. A creditor must sue you, win a judgment, and obtain a garnishment order before your employer withholds anything. The exceptions that skip the lawsuit are child support orders, federal student loans (administrative wage garnishment), and tax levies — those follow their own separate procedures.
How much of my paycheck is completely safe in Wyoming?
For consumer debts: everything at or below $217.50 per week (30× the federal minimum wage ($7.25/hr)) — plus whatever the percentage cap leaves above that line. Note that tax debts play by different rules: Wyoming has no state income tax. Federal IRS levies use their own formula.
What income can never be garnished in Wyoming?
Key protections include: Federal CCPA limits apply: 25% of disposable earnings; No state income tax; 30x federal minimum wage ($217.50/week) protected. Once protected funds are commingled in a bank account, tracing them can get complicated — keep records of exempt deposits.
Can I be fired for having my wages garnished in Wyoming?
Federal law (CCPA §304) prohibits firing an employee because of a single garnishment order, no matter the state. Protection for multiple garnishments varies — if you face more than one order, review your state's rules or speak with an employment attorney before assuming you are protected.
Need Help Beyond the Calculator?
If you're dealing with wage garnishment in Wyoming, professional help may be the fastest path forward. Visit our Resources page to explore vetted options for legal help.
If facing garnishment in Wyoming, consider negotiating a settlement or consulting with a Wyoming attorney. Learn more about Can My Employer Fire Me for Wage Garnishment? and How to File a Wage Garnishment Exemption. Compare Wyoming with other states at our comparison tool or explore garnishment laws for California, Texas, Florida, New York, Illinois, or Ohio using their respective wage garnishment calculators.