GarnishmentCalc

State-by-State Wage Garnishment Laws

VT Garnishment Law

Vermont Wage Garnishment Calculator

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 which your weekly disposable earnings exceed 30 times the federal minimum wage, whichever is less.

Key Vermont garnishment facts

State abbreviationVT
Consumer debt limit25% of disposable earnings, subject to the 30x minimum wage test
Child support limit50% if supporting another family, 60% otherwise, plus 5% for arrears
Federal student loans15% administrative garnishment cap
State minimum wage$14.01
Minimum wage source used in calculatorFederal minimum wage baseline
Head of household protectionNo additional protection listed
Statute referenceVermont Statutes Title 12, §3170

Additional notes

Vermont follows federal CCPA limits. The state provides a minimum exemption of $217.50/week and limits garnishment to 25% of disposable earnings.

Tax levy note: Vermont Department of Taxes can levy wages for state tax debts.

Key protections and reminders

  • • Federal CCPA limits apply: 25% of disposable earnings
  • • 30x federal minimum wage ($217.50/week) protected
  • • Court judgment required before garnishment
  • • Specific procedures for trustee process garnishment