NC Garnishment Law
North Carolina is one of the most protective states in the nation when it comes to wage garnishment. The state generally prohibits wage garnishment for consumer debts such as credit card debt, medical bills, and personal loans. Wages can only be garnished in North Carolina for child support, federal and state taxes, and federal student loans. This makes North Carolina an exceptionally favorable state for workers facing consumer debt issues.
| State abbreviation | NC |
|---|---|
| Consumer debt limit | 0% of disposable earnings, subject to the 0x 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 | North Carolina General Statutes §1-362 |
North Carolina generally does not allow wage garnishment for consumer debts. Wages can only be garnished for child support, taxes, and student loans. This makes NC one of the most protective states.
Tax levy note: North Carolina Department of Revenue can levy wages for state tax debts.