State Directory
Select your state to see its garnishment limits, exemptions, and a calculator based on that state's rules. Some states protect far more of your paycheck than federal law does.
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 protects workers with a flat statutory exemption instead of the federal 30-times-minimum-wage floor: $473 of your weekly net earnings is fully exempt from ga…
Arizona is one of the most protective states in the country for consumer-debt garnishment. Under Proposition 209, approved by voters in 2022, creditors may take no…
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 some of the strongest wage garnishment protections in the country. Under Code of Civil Procedure §706.050, revised by SB 1477 effective Septembe…
Colorado offers enhanced wage garnishment protections compared to federal law. Creditors may take no more than 20% of your disposable earnings — less than the 25% f…
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 uses its own graduated formula for consumer-debt garnishment, applied to monthly wages: a creditor may take 5% of the first $100 of monthly wages, 10% of the…
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 applies the federal weekly limits — a creditor may take up to 25% of disposable earnings, with $217.50 per week protected — but adds a powerful annual cap. The…
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 strong wage garnishment protections tied to the state minimum wage. In most of the state, a creditor may take no more than 25% of your disposable…
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 some of the strongest wage garnishment protections in the country. Under the Debt Fairness Act (Minnesota Statutes §571.922, effective October 1,…
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 the federal wage garnishment limits under the Consumer Credit Protection Act. A creditor may take the lesser of 25% of your disposable earnings or the…
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 protects 75% of your disposable earnings and sets a rising weekly minimum that stays exempt no matter what. For wages paid on or after July 1, 2026, at least…
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 $17.13 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.…