Know your rights ·

My wages are being garnished

General information for New Jersey, New York and Washington, DC · Last updated

Quick answer

Identify the creditor, order, and type of debt; exemptions and limits differ.

Do now

Obtain the employer notice and court or agency order. Compare the withheld amounts with the notice. Gather income and benefit information and ask about objections, exemptions, or bankruptcy assessment if appropriate.

Watch for

Child support, taxes, student debt, and ordinary judgment debt can follow different procedures. Do not assume a general garnishment limit applies to all of them or that bankruptcy stops every support deduction.

Official sources

CFPB — Garnishment of Wages or Benefits, US Courts — Discharge in Bankruptcy, FTC — Debt Collection FAQs.

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