OK Garnishment Law
Oklahoma follows the federal Consumer Credit Protection Act for wage garnishment limits. The state provides that 75% of earnings earned in the 90 days prior to garnishment are exempt, meaning up to 25% can be garnished for consumer debts. Oklahoma requires creditors to obtain a court judgment before garnishing wages.
| State abbreviation | OK |
|---|---|
| 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 | Oklahoma Statutes Title 31, §1 |
Oklahoma follows federal CCPA limits. The state provides that 75% of earnings for the prior 90 days are exempt from garnishment.
Tax levy note: Oklahoma Tax Commission can levy wages for state tax debts.