Can creditors collect more than 25% of your wages?

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Can creditors collect more than 25% of your wages?

Is it 25% a creditor or 25% all together?

Asked on June 24, 2015 under Bankruptcy Law, California

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

Creditors are allowed to garnish the lesser of: 25% of your disposable earnings, or the amount by which your weekly disposable earnings exceed 40 times the state hourly minimum wage. “Disposable earnings” are the wages that are left after your employer has made deductions required by law.

If you have more than one garnishment, the total amount that can be garnished is limited to 25%.

Note: If you owe child support, student loans, or taxes, the amount that can be garnished differs.


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