Wage garnishment takes money directly from your paycheck. Understand the limits on garnishment and options for stopping or reducing it.
Expert information to help you understand your rights and options
Creditors with judgments can take up to 25% of your disposable income directly from your paycheck. Understand how wage garnishment works, exemptions that protect part of your income, procedures to challenge improper garnishments, and strategies to stop or reduce paycheck deductions.
Federal law limits garnishment to 25% of disposable earnings, and many states provide greater protection. Certain income sources like Social Security are completely exempt. Learn federal and state exemption amounts, how to claim exemptions, and protecting bank accounts from levy.
Wage garnishment can devastate household budgets, but several options exist to stop or reduce deductions. Learn about negotiating payment plans with creditors, claiming hardship exemptions, challenging the underlying judgment, and how bankruptcy immediately stops most garnishments.