NJ Garnishment Law
New Jersey provides strong wage garnishment protections, particularly for lower-income workers. If your income is less than 250% of the federal poverty level, garnishment is limited to just 10% of your gross income. For higher earners, the limit is 25% of disposable earnings. This tiered approach ensures that New Jersey's most vulnerable workers retain a larger portion of their wages.
| State abbreviation | NJ |
|---|---|
| Consumer debt limit | 10% 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 | $15.49 |
| Minimum wage source used in calculator | Federal minimum wage baseline |
| Head of household protection | No additional protection listed |
| Statute reference | New Jersey Statutes §2A:17-56 |
New Jersey limits consumer debt garnishment to 10% of gross income if earnings are less than 250% of the federal poverty level, and 25% for higher earners. This provides significant protection for lower-income workers.
Tax levy note: New Jersey Division of Taxation can levy wages for state tax debts.