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Wage garnishment feels like a stranger reaching into your paycheck, but it runs on rules — and those rules include exemptions, notice requirements and legal paths to reduce or stop the deduction. Ignoring the notices makes it worse; responding with the right paperwork can shrink the amount or end it entirely. This guide explains what can and cannot be garnished, the exemption math that protects a portion of your income, and the order of calls that gets the deduction reviewed.
legal options summary
Federal law typically caps consumer garnishment at 25% of disposable earnings (less for minimum-wage earners) — and some income types are fully exempt.
Yes — filing for an exemption hearing, negotiating a settlement, or in serious cases bankruptcy can stop it. The hearing is your best early move.
Many benefit payments — social security, disability, child support exemptions vary — are protected. Know which of your income streams are untouchable.
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