Estimate the maximum amount that could potentially be garnished from your paycheck under the federal formula, and see your specific state's rule alongside it.
Estimated maximum weekly garnishment under the federal formula
$200
The lesser of 25% of disposable weekly earnings ($200), or the amount above 30x federal minimum wage ($583)
Educational estimate only, not legal advice. A creditor generally cannot garnish your wages without first suing you and winning a court judgment. Certain income — including Social Security, disability, and unemployment benefits — is typically protected from garnishment regardless of state. Confirm your specific situation with a consumer law attorney or legal aid organization.
No — for most consumer debts (credit cards, medical bills, personal loans), a creditor must first sue you and win a court judgment before they can garnish your wages.
Under the federal Consumer Credit Protection Act, garnishment for most debts is capped at the lesser of 25% of your disposable weekly earnings, or the amount by which your earnings exceed 30 times the federal minimum wage.
No — some states apply a lower cap, additional exemptions, or in a few states (like North Carolina and Texas) prohibit wage garnishment entirely for most consumer debts. Always check your specific state's rule.
Yes — Social Security, disability benefits, and unemployment benefits are generally protected from garnishment for consumer debt, regardless of state, though rules can vary for certain debts like taxes, child support, or federal student loans.