What happens if two wage garnishments are put on your paycheck?
Summary
Wage garnishments allow creditors to take part of your paycheck to pay debts, but federal law limits the total amount that can be taken. When two garnishments happen at the same time, they must stay within those limits. State laws may give extra protections or set stricter rules on wage garnishments.Key Facts
- Wage garnishment means a portion of your paycheck is taken to pay creditors.
- Federal law limits wage garnishment to 25% of your disposable income for consumer debts.
- Disposable income is what you have left after taxes and other required deductions.
- If debts involve child support or alimony, garnishments can be as high as 50% to 60%.
- Two or more garnishments combined cannot exceed the federal limit for consumer debts.
- Some states have stricter rules and may limit garnishment amounts further or forbid garnishing certain debts, like medical bills.
- Employers cannot fire you just because your wages are garnished.
- Even with protections, wage garnishments can seriously reduce your available income and make budgeting difficult.
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