KY Garnishment Law
Kentucky follows the federal Consumer Credit Protection Act for wage garnishment limits, protecting 75% of disposable earnings from garnishment (meaning up to 25% can be garnished). The state requires creditors to obtain a court judgment before garnishing wages and has specific procedures for serving garnishment orders on employers.
| State abbreviation | KY |
|---|---|
| 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 | $7.25 |
| Minimum wage source used in calculator | Federal minimum wage baseline |
| Head of household protection | No additional protection listed |
| Statute reference | Kentucky Revised Statutes §425.506 |
Kentucky follows federal CCPA limits. The state provides that 75% of disposable earnings are exempt from garnishment.
Tax levy note: Kentucky Department of Revenue can levy wages for state tax debts.