{"id":14636,"date":"2021-04-30T18:38:57","date_gmt":"2021-05-01T00:38:57","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=14636"},"modified":"2025-05-14T15:54:05","modified_gmt":"2025-05-14T21:54:05","slug":"how-long-before-a-creditor-can-garnish-wages","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/how-long-before-a-creditor-can-garnish-wages.html","title":{"rendered":"How long before a creditor can garnish wages?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_190787283_header.jpg\" alt=\"\" class=\"wp-image-14637\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_190787283_header.jpg 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_190787283_header-1100x367.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_190787283_header-768x256.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>Have you gotten yourself into a bad financial situation and started wondering how long you have before a creditor can garnish your wages? The answer can be a bit complicated, but in most cases, you don\u2019t need to worry about wage garnishment until your debt has been delinquent for several months.<\/p>\n\n\n\n<p>If you\u2019re in this situation, then you should also know that the wage garnishment process itself can also take multiple weeks, depending on specific circumstances. Keep reading to find out more about wage garnishment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-wage-garnishment\">Understanding Wage Garnishment<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.dol.gov\/general\/topic\/wages\/garnishments\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">Wage garnishment<\/a> is a legal procedure during which an individual\u2019s earnings are required, by court order, to be withheld by the employer for the purpose of debt repayment.<\/p>\n\n\n\n<p>There are two types of garnishment: wage and nonwage.<\/p>\n\n\n\n<ul><li><strong>Wage garnishment<\/strong> means that your employer is legally required to withhold a specific amount of earnings as a result of the court order which is often called a \u201cNotice of Garnishment.\u201d<\/li><li><strong>Nonwage garnishment<\/strong> (also known as a bank levy) is when a creditor contacts your bank and accesses funds directly from your bank account.<\/li><\/ul>\n\n\n\n<p>Typically, wage garnishment happens in one of two ways:<\/p>\n\n\n\n<ol type=\"1\"><li>A creditor sues you for nonpayment and wins via judgment.<\/li><li>A state or federal agency initiates a garnishment in cases like &nbsp;child support, back taxes and federal student loans.<\/li><\/ol>\n\n\n\n<p>Wage garnishment will continue until the debt is paid off or otherwise resolved. Some states have time limitations for how many years a creditor may garnish wages. Additionally, wage garnishment will be halted if you lose employment.<\/p>\n\n\n\n<p>The total amount subject to garnishment can often include court fees and any interest accrued.<\/p>\n\n\n\n<p>The court will notify you of the impending wage garnishment. Additionally, the court will send a notice either to your bank or your employer. Wage garnishment typically starts within five to 30 days after approval. The exact time will vary depending on the creditor and the state.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-of-your-paycheck-can-be-garnished\">How Much of Your Paycheck Can Be Garnished?<\/h2>\n\n\n\n<p>There are federal limitations on how much of your paycheck can be garnished, depending on your income level and the type of debt that is owed.<\/p>\n\n\n\n<p>There are also individual state laws about wage garnishment that vary. State laws may often have additional protections, including factors like being the head of a household with dependent children.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-judgments\">Judgments<\/h3>\n\n\n\n<p>If you lose a lawsuit and a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair\/how-to-remove-judgment\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">judgment<\/a> is entered against you, the creditor or person who won the suit can garnish your wages up to whichever is the lower of <a href=\"https:\/\/www.dol.gov\/sites\/dolgov\/files\/WHD\/legacy\/files\/whdfs30.pdf\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">these two amounts<\/a>:<\/p>\n\n\n\n<ul><li>25 percent of your disposable earnings<\/li><li>&nbsp;Any amount greater than 30 times the federal minimum wage (which is currently $7.25)<\/li><\/ul>\n\n\n\n<p>Note that your employer must notify you about a wage garnishment before it begins, and your employer has to provide you with information on how you can request a hearing about the wage garnishment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-child-support-and-alimony\">Child Support and Alimony<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/bad-credit\/credit-score-victims\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">Child support and alimony<\/a> are the two types of debt with the most considerable potential for wage garnishment. According to federal law, you can have up to 60 percent of your income garnished. If you\u2019re supporting another child or spouse, the maximum is lowered to 50 percent. Additionally, if you\u2019re more than 12 weeks late on payments, an additional five percent can be taken.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-student-loans\">Student Loans<\/h3>\n\n\n\n<p>The US Department of Education or any <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/debt-collection-laws.html\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">agency collecting on its behalf<\/a> can garnish up to 15 percent of your pay. This can only occur if you\u2019re in default on your student loan. Student loans are different as they don\u2019t require a lawsuit to proceed with wage garnishment. As soon as your student loans are in default, there\u2019s potential for garnishment.<\/p>\n\n\n\n<p>However, you need to be notified in writing at least 30 days before the wage garnishment is set to begin. The notice needs to include several important details, such as:<\/p>\n\n\n\n<ul><li>The total amount you owe;<\/li><li>How to get a copy of records related to your loan;<\/li><li>How to enter into a voluntary repayment schedule; and<\/li><li>How to request a hearing on the proposed wage garnishment.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-taxes\">Taxes<\/h3>\n\n\n\n<p>Back taxes is another situation where a court order isn\u2019t necessary. If <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/how-unpaid-taxes-can-affect-you.html\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">you owe back taxes to the IRS,<\/a> they can usually take up to 15 percent. In reality, they will take into consideration several factors before deciding on how much to garnish. The IRS will look at how many dependents you have and your standard deduction amount.<\/p>\n\n\n\n<p>The IRS will notify your employer with a wage levy notice. Your employer will then give you a copy. This notice includes an exemption claim form, which you may want to complete.<\/p>\n\n\n\n<p>State and local tax agencies also have the right to take some of your wages. However, there will be limitations in place on how much they can take, depending on the state.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exempt-income\">Exempt Income<\/h3>\n\n\n\n<p>Every state has certain types of income that are protected from wage garnishment. Depending on your situation and your income stream, you may be able to protect some or all of your wages.<\/p>\n\n\n\n<p>Generally speaking, the types of exempt income are:<\/p>\n\n\n\n<ul><li>Social Security;<\/li><li>Disability;<\/li><li>Veterans\u2019 benefits;<\/li><li>Pension and retirement benefits;<\/li><li>Child support; and<\/li><li>Alimony.<\/li><\/ul>\n\n\n\n<p>Additionally, low-income earners who have little or no disposable income may be allowed to keep their wages.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-you-be-fired-for-having-your-wages-garnished\">Can You Be Fired for Having Your Wages Garnished?<\/h2>\n\n\n\n<p>You cannot be fired or retaliated against in any way by an employer because your wages have been garnished. However, this protection is removed if you have more than one wage garnishment in place. Under federal law, you\u2019re only protected when one creditor is garnishing your wages.<\/p>\n\n\n\n<p>Some states offer more protection, but it\u2019s essential to determine what the protection is in your state. If you have more than one wage garnishment against you, it\u2019s important to talk to your employer and explain your plan of action to rectify the situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-you-protest-a-wage-garnishment\">Can You Protest a Wage Garnishment?<\/h2>\n\n\n\n<p>There are several ways to seek relief from a garnishment; however, the best way would be to address the situation prior to a creditor obtaining a judgment against you, either by hiring legal counsel or representing yourself.<\/p>\n\n\n\n<p>Additionally, note that when you receive a notice of garnishment, you may still be able to work out a deal with your creditors. For example, your federal student loan creditor may offer you the opportunity to opt into a voluntary repayment plan rather than proceed with wage garnishment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-claim-of-exemption\">Claim of Exemption<\/h3>\n\n\n\n<p>If your income is coming from a source categorized as exempt, you may need to act quickly. Monthly income or savings collected from an exempt income source cannot be garnished. However, you will need to submit a claim of exemption to stop the wage garnishment.<\/p>\n\n\n\n<p>Before your paycheck is garnished for the first time, your employer will give you a notice. The notice includes instructions for filing a claim of exemption. The notice will have an address with the appropriate clerk\u2019s office where you will need to file the claim.<\/p>\n\n\n\n<p>The cost of filing a claim of exemption is minimal but may be extremely beneficial. If approved, it can substantially reduce the amount of your garnishment. You\u2019ll have a hearing in which you can list your living expenses and show any attempts you\u2019ve made to handle the debt without garnishment.<\/p>\n\n\n\n<p>Note that it can take one to two months to schedule a hearing, so you\u2019ll want to file the claim as soon as you receive the wage garnishment notice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-wage-garnishment-affect-your-credit\">Does Wage Garnishment Affect Your Credit?<\/h2>\n\n\n\n<p>The wage garnishment won\u2019t appear as a negative item on your credit reports, but it could be notated on the account in question. While the garnishment itself won\u2019t hurt your score, being late on payments will.<\/p>\n\n\n\n<p>Luckily, you can still take action to improve your credit during and after a wage garnishment. Start by working with a credit repair service, like <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.lexingtonlaw.com\/credit-repair-services\" target=\"_blank\" rel=\"noreferrer noopener\">Lexington Law<\/a>, to get a good understanding of what condition your credit is in and if anything can be done to help it today.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn more about wage garnishment, including when a creditor can garnish wages and how it may impact your employment status and credit score.<\/p>\n","protected":false},"author":63,"featured_media":14637,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[525],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How long before a creditor can garnish wages?<\/title>\n<meta name=\"description\" content=\"Learn more about wage 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