Wage Garnishment Exemptions
Certain exemptions can reduce or eliminate wage garnishment, depending on your income, household situation, and state.
What Exemptions Exist
- Low-income exemptions, which reduce or eliminate garnishment below certain earnings thresholds
- Head-of-household exemptions in some states, offering extra protection for primary household earners
- Certain benefit income — such as Social Security — that's generally protected regardless of garnishment type
How to Claim an Exemption
Claiming an exemption generally requires a court filing or formal response — it's rarely automatic. The specific process varies by state and by the type of garnishment involved.
Exemption Claims Often Have Deadlines Too
Don't assume you have unlimited time to claim an exemption once garnishment begins — many states impose their own filing windows. Act promptly and consider legal help given the time sensitivity.
This information is for general education only and is not legal advice. Garnishment rules and limits vary by state, by debt type, and by court. Consult a licensed attorney for advice specific to your situation.