NM Garnishment Law
New Mexico provides enhanced wage garnishment protections compared to federal law. The state protects 40 times the New Mexico minimum wage from garnishment. With the state minimum wage at $12.00 per hour, this means $480.00 per week is protected — more than double the federal protection of $217.50 per week.
| State abbreviation | NM |
|---|---|
| Consumer debt limit | 25% of disposable earnings, subject to the 40x 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 | $12.00 |
| Minimum wage source used in calculator | New Mexico minimum wage |
| Head of household protection | No additional protection listed |
| Statute reference | New Mexico Statutes §35-12-7 |
New Mexico protects 40 times the state minimum wage from garnishment, providing stronger protection than federal law.
Tax levy note: New Mexico Taxation and Revenue Department can levy wages for state tax debts.