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Washington protects about $600 a week from consumer-debt garnishment, shields bank accounts automatically, and never revives an expired debt. Full state guide.
Virginia protects wages above 40x minimum wage, adds a per-child credit, and gives car buyers a 10-day cure right. Medical debt garnishment rules explained.
Vermont protects 85% of earnings on consumer debt. What is real, and why the medical-debt garnishment ban you may have read about is not law.
Utah caps consumer garnishment at 25%, bars it before judgment, and lets even a third party's payment restart the six-year clock. What Utah law protects.
Texas bars wage garnishment for most debts, but deposited paychecks lose that protection. The 4-year SOL, debt buyer no-revival rule, and repossession rights.
Tennessee caps wage garnishment at 25%, plus a per-child credit and a way to pause it with a payment plan. What is verified, and what Tennessee law leaves open.
A debt's statute of limitations bars a lawsuit, not the debt itself. See if payment restarts the clock in your state and the credit-report-7-years myth.
South Dakota caps wage garnishment at 20% with a 120-day continuing lien. How the formula, 6-year debt SOL, and repossession rules work.
South Carolina bars consumer wage garnishment, but SCDOR still levies 25% of gross pay for taxes and public debts. SOL, revival, and repo cure rights.
Rhode Island now bans wage garnishment for medical debt judgments (P.L. 2025 ch. 300). Plus the 10-year debt SOL, bank exemptions, and the one-hour repo rule.
Pennsylvania bars wage garnishment for ordinary consumer debt. The exact 42 Pa.C.S. 8127 exception list, the 4-year SOL, bank account risks, and repo rules.
Oregon shields 75% of pay plus a flat floor, $338 a week through June 2026 and rising every July 1. Wage garnishment, bank exemptions, 6-year SOL, repo rules.