What happens to a wage garnishment if you change jobs?
Summary
When you change jobs, an active wage garnishment usually stops with your old employer because they no longer pay you. However, your debt still exists, and the creditor can ask the new employer to start garnishing your wages again, often quickly once they find out where you work.Key Facts
- Wage garnishment stops at your old job once you leave because that employer can’t withhold money anymore.
- The debt that caused the garnishment does not go away when you change jobs.
- Creditors often find your new employer using credit reports or public records and can request a new garnishment order.
- The gap between jobs may cause a brief pause in wage garnishment, but it usually resumes soon.
- Different types of debts have different garnishment rules; for example, child support and unpaid taxes are collected more aggressively.
- Federal law limits garnishments to 25% of your disposable income or the amount above 30 times the federal minimum wage per week.
- State laws may provide extra protections or rules about wage garnishment.
- Changing jobs does not remove your debt or the garnishment order; the debt collection continues unless you pay or settle the debt.
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