What is the maximum percentage you can be garnished for things like credit cards and medical bills?

Get Legal Help Today

 Secured with SHA-256 Encryption

What is the maximum percentage you can be garnished for things like credit cards and medical bills?

And what if there are 2 places garnishing at the same time?

Asked on January 9, 2012 under Bankruptcy Law, Washington

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

Under federal law and in most states, the maximum you can be garnished for medical bills and credit card debt is 25% of your "disposable" income, with disposable for this purpose being all income less mandatory withholding, like FICA--so it's basically 25% of around 96% of your income. You can be garnished by multiple creditors, as long as the total garnishment, from all the debts or creditors, does not exceed 25%.

Note the following:

1) You can only be garnished to the extent your weekly income exceeds 30 times the minimum hourly wage, so low-income wage earners may have less than 25% of their income garnished.

2) Tax debts, alimony, and child support will allow greater garnishment; up to at least 50%, I believe.

3) There are a very few states which do not allow wage garnishment at all: Texas is one, and I believe North Carolina may be another.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption