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 garnishment for consumer debts, including credit card debt, medical bills, and personal loans. Wages can only be garnished in Texas for child support, spousal maintenance, federal and state taxes, and federal student loans. Combined with no state income tax, Texas provides exceptional protection for workers' wages.
Key Texas garnishment facts
State abbreviation
TX
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
Texas does NOT allow wage garnishment for consumer debts. Wages can only be garnished for child support, taxes, student loans, and court-ordered spousal maintenance. Texas also has no state income tax.
Tax levy note: Texas has no state income tax. Federal IRS levies use their own formula.
Key protections and reminders
• No wage garnishment allowed for consumer debts (Texas Constitution)
• Only child support, spousal maintenance, taxes, and student loans can trigger garnishment