TN Garnishment Law
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 disposable earnings. Creditors can garnish up to 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage, whichever is less.
| State abbreviation | TN |
|---|---|
| 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 | Tennessee Code §26-2-106 |
Tennessee follows federal CCPA limits. The state has no income tax on wages. Tennessee provides a minimum exemption of $217.50/week.
Tax levy note: Tennessee has no state income tax on wages. Federal IRS levies use their own formula.