wage garnishment laws

States That Don’t Allow Wage Garnishment for Consumer Debt

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States That Prohibit Wage Garnishment

Texas, Pennsylvania, North Carolina, and South Carolina generally prohibit wage garnishment for standard consumer debts like credit cards and medical bills. This protection only applies to your paycheck. Once that money is deposited into your bank account, a creditor can still freeze the account and seize the funds. Government debts completely bypass these state laws. … Read more

Types of Wage Garnishment: Why the Debt Type Changes Everything About Your Options

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Types Of Wage Garnishment

The type of debt you owe is the single most important factor in a wage garnishment, dictating how much warning you get and what percentage of your check is taken. Private creditors must sue you and win a court judgment before they can touch your paycheck, but government agencies can garnish your wages administratively without … Read more