Vance P. Truman, Attorney at Law
Putting People's Financial Worries Behind Them Free Initial Consultation

How much can you lose to wage garnishment?

If your wages are going to be garnished, the first thing you're probably wondering is exactly how much can legally be taken out of each paycheck. There are a few factors in play here, such as how much you make and how close your income level is to the poverty line.

Typically, the rule of thumb is that 25 percent of the paycheck can be taken and used to pay what you owe to creditors. If you owe for multiple reasons, like back taxes and child support, that 25 percent will then be split and used for all of these different debts.

Of course, if you're close to the poverty line, you may not even be able to pay your bills if you lose 25 percent of your income. In these cases, the amount that can be garnished is found with this formula: Your total income minus state minimum wage per hour multiplied by 30.

Minimum wage in Ohio is $8.10. This means that you could keep $243 per week ($8.10 times 30). If you worked for 35 hours that week, making $283.50, then $40.50 could be garnished.

There are other factors in play, as well. Rules are different, in some cases, if you owe child support, and you may need to pay 50 percent or even 60 or 65 percent. However, the formula above still holds true, so, no matter what you owe for, you will never keep less than 30 hours paid at minimum wage.

Still, even with these checks in place, it's clear that a very significant portion of your income could be lost. With such high stakes, it's very important to know all of your legal options to end wage garnishment.

Source: The Law Dictionary, "How Much Of Your Wages Can Be Garnished?," J. Hirby, accessed Dec. 27, 2016

No Comments

Leave a comment
Comment Information

Get the debt relief you need, the personal attention you deserve.

Call us today for a free consultation at 330-591-4729, or fill out the form below, and we will contact you.

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Contact Information Vance P. Truman, Attorney at Law

689 Lafayette Rd.
Medina, OH 44256

Phone: 330-591-4729
Fax: 330-722-3410
Map & Directions

Payment Plans Available Call Us For Your Best Suitable Payment Option

VISA master card American express Discover network