IL Garnishment Law
Illinois provides some of the strongest wage garnishment protections in the nation. The state limits consumer debt garnishment to just 15% of gross weekly wages (compared to the federal 25% of disposable earnings) and protects 45 times the state minimum wage from garnishment. With Illinois' minimum wage at $14.00 per hour, this means $630.00 per week is completely shielded from creditors — nearly three times the federal protection.
| State abbreviation | IL |
|---|---|
| Consumer debt limit | 15% of disposable earnings, subject to the 45x 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 | $14.00 |
| Minimum wage source used in calculator | Illinois minimum wage |
| Head of household protection | No additional protection listed |
| Statute reference | Illinois Compiled Statutes 735 ILCS 5/12-803 |
Illinois provides significantly stronger protections than federal law. The state limits garnishment to 15% of gross wages and protects 45 times the state minimum wage. With Illinois' $14.00/hr minimum wage, $630/week is protected.
Tax levy note: Illinois Department of Revenue can levy wages for state tax debts.