NY Garnishment Law
New York provides some of the strongest wage garnishment protections in the nation. The state limits consumer debt garnishment to the lesser of 10% of gross wages or 25% of disposable earnings. Furthermore, if your weekly disposable earnings are less than 30 times the New York state minimum wage ($495.00 per week), your wages cannot be garnished at all. This makes New York one of the most protective states for workers facing wage garnishment.
| State abbreviation | NY |
|---|---|
| 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 | $16.50 |
| Minimum wage source used in calculator | New York minimum wage |
| Head of household protection | No additional protection listed |
| Statute reference | New York CPLR §5231 |
New York provides very strong protections. Garnishment is limited to 10% of gross wages or 25% of disposable earnings, whichever is less. Additionally, if disposable earnings are less than 30 times the state minimum wage, no garnishment is allowed at all. With NY's $16.50/hr minimum wage, $495/week is fully protected.
Tax levy note: New York State Department of Taxation and Finance can levy wages for state tax debts.