State Directory
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Alabama follows the federal Consumer Credit Protection Act (CCPA) for wage garnishment limits, meaning creditors can garnish up to 25% of your disposable earnings o…
Alaska adheres to federal wage garnishment limits under the Consumer Credit Protection Act. While Alaska has a higher state minimum wage than the federal level, gar…
Arizona follows the federal Consumer Credit Protection Act for wage garnishment limits on consumer debts. Creditors must obtain a court judgment before garnishing w…
Arkansas follows the federal Consumer Credit Protection Act for wage garnishment limits. The state allows garnishment of up to 25% of disposable earnings for consum…
California provides significantly stronger wage garnishment protections than federal law. While federal law protects earnings up to 30 times the federal minimum wag…
Colorado offers enhanced wage garnishment protections compared to federal law. The state protects 40 times the Colorado minimum wage from garnishment, which at $14.…
Connecticut provides robust wage garnishment protections, shielding 40 times the higher of the state or federal minimum wage from creditors. With Connecticut's mini…
Delaware provides stronger wage garnishment protections than federal law for consumer debts. While federal law allows up to 25% of disposable earnings to be garnish…
Florida offers one of the strongest wage garnishment protections in the country through its head of household exemption. If you provide more than half the support f…
Georgia follows the federal Consumer Credit Protection Act for wage garnishment limits. Creditors can garnish up to 25% of your disposable earnings or the amount by…
Hawaii follows federal wage garnishment limits under the Consumer Credit Protection Act, with some additional state-specific procedures. Hawaii law provides that th…
Idaho follows the federal Consumer Credit Protection Act for wage garnishment limits. Up to 25% of your disposable earnings can be garnished for consumer debts, or…
Illinois provides some of the strongest wage garnishment protections in the nation. The state limits consumer debt garnishment to just 15% of gross weekly wages (co…
Indiana follows the federal Consumer Credit Protection Act for wage garnishment limits. Creditors can garnish up to 25% of your disposable earnings or the amount by…
Iowa follows federal wage garnishment limits under the CCPA but provides additional minimum exemptions. Iowa law ensures that at least $250 per week is exempt from…
Kansas follows the federal Consumer Credit Protection Act for wage garnishment limits. Creditors can garnish up to 25% of your disposable earnings or the amount by…
Kentucky follows the federal Consumer Credit Protection Act for wage garnishment limits, protecting 75% of disposable earnings from garnishment (meaning up to 25% c…
Louisiana follows the federal Consumer Credit Protection Act for wage garnishment limits. Up to 25% of disposable earnings can be garnished for consumer debts, or t…
Maine provides stronger wage garnishment protections than federal law by protecting 40 times the state minimum wage from garnishment. With Maine's minimum wage at $…
Maryland provides wage garnishment protections that vary by county. In most of the state, garnishment is limited to 25% of disposable wages. However, in Caroline, K…
Massachusetts offers among the strongest wage garnishment protections in the entire country. The state limits consumer debt garnishment to just 15% of gross weekly…
Michigan follows the federal Consumer Credit Protection Act for wage garnishment limits. Creditors can garnish up to 25% of your disposable earnings or the amount b…
Minnesota provides enhanced wage garnishment protections compared to federal law. The state protects 40 times the Minnesota minimum wage from garnishment. With the…
Mississippi follows the federal Consumer Credit Protection Act for wage garnishment limits. The state provides that 75% of earned but unpaid wages are exempt from g…
Missouri provides enhanced protections for heads of household. While the standard garnishment limit follows the federal 25% of disposable earnings, Missouri reduces…
Montana follows the federal Consumer Credit Protection Act for wage garnishment limits. Creditors can garnish up to 25% of your disposable earnings or the amount by…
Nebraska follows federal wage garnishment limits under the CCPA but provides additional protections for heads of household. If you provide more than 50% of the supp…
Nevada follows federal wage garnishment limits under the Consumer Credit Protection Act. The state has no income tax, which can result in higher disposable earnings…
New Hampshire provides stronger wage garnishment protections than federal law by protecting 50 times the federal minimum wage from garnishment ($362.50 per week), c…
New Jersey provides strong wage garnishment protections, particularly for lower-income workers. If your income is less than 250% of the federal poverty level, garni…
New Mexico provides enhanced wage garnishment protections compared to federal law. The state protects 40 times the New Mexico minimum wage from garnishment. With th…
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 o…
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 deb…
North Dakota provides enhanced wage garnishment protections compared to federal law. The state protects 40 times the federal minimum wage from garnishment ($290.00…
Ohio follows federal wage garnishment limits under the Consumer Credit Protection Act but provides an additional minimum exemption. Ohio law requires that at least…
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 garn…
Oregon provides wage garnishment protections that follow the federal CCPA framework with some additional state-specific protections. The state limits garnishment to…
Pennsylvania is one of the most protective states in the nation when it comes to wage garnishment. The state completely prohibits wage garnishment for consumer debt…
Rhode Island follows the federal Consumer Credit Protection Act for wage garnishment limits. Creditors can garnish up to 25% of your disposable earnings or the amou…
South Carolina is one of the most protective states in the nation when it comes to wage garnishment. The state completely prohibits wage garnishment for consumer de…
South Dakota provides enhanced wage garnishment protections compared to federal law. The state limits consumer debt garnishment to 20% of disposable earnings (vs. 2…
Tennessee follows the federal Consumer Credit Protection Act for wage garnishment limits. The state has no income tax on wages, which can result in higher disposabl…
Texas is one of the most protective states in the nation when it comes to wage garnishment. The Texas Constitution and state law completely prohibit wage garnishmen…
Utah follows the federal Consumer Credit Protection Act for wage garnishment limits. Creditors can garnish up to 25% of your disposable earnings or the amount by wh…
Vermont follows the federal Consumer Credit Protection Act for wage garnishment limits. Creditors can garnish up to 25% of your disposable earnings or the amount by…
Virginia provides enhanced wage garnishment protections compared to federal law. The state protects 40 times the Virginia minimum wage from garnishment. With the st…
Washington provides strong wage garnishment protections by protecting 35 times the state minimum wage from garnishment. With Washington's minimum wage at $16.66 per…
West Virginia provides stronger wage garnishment protections than federal law for consumer debts. While federal law allows up to 25% of disposable earnings to be ga…
Wisconsin provides stronger wage garnishment protections than federal law. The state limits consumer debt garnishment to 20% of disposable earnings (compared to the…
Wyoming follows the federal Consumer Credit Protection Act for wage garnishment limits. The state has no income tax, which can result in higher disposable earnings.…