How much can a debt collector garnish my wages for? I'm looking for a percentage.

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Anonymous Jun 9, 2015 Bankruptcy 8 views 3 answers

I'm currently looking for a bankruptcy attorney but I have a wage garnishment notification in effect. I just started a job and i'm just curious how much they are able to take from my checks? I understand when I begin the filing process it will stop but i'm trying to save for an attorney to help me. Thank you.

Attorney Answers

Thomas Toft

Thomas Toft · Jun 15, 2026

Michigan does not have its own statutory limits on how much can be garnished from one’s wages. Consequently, federal law governs those limits in Michigan. Under federal law, for any workweek a creditor can generally garnish the lesser of: 1) 25% of one’s disposable income, or 2) the amount by which one’s weekly disposable earnings are greater than 30 times the federal hourly minimum wage. However, there are different limits if a garnishment is for things such as child support, alimony, student loans or unpaid taxes. The U.S. Department of Labor Wage Hour Division has a fact sheet that does a good job of explaining the federal limits on wage garnishment. That fact sheet can be found at http://www.dol.gov/whd/regs/compliance/whdfs30.htm.

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cott M. NeumanBankruptcy AttorneyOkemos, MI

cott M. NeumanBankruptcy AttorneyOkemos, MI · Jun 15, 2026

25% of your wages can be garnished per pay period.

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Aric Melder

Aric Melder · Jun 15, 2026

There are limits to the amount that they can garnish. Generally that amount is 25% but there are exceptions to that. The better answer is that there may be ways for you to stop the garnishments. Speaking to a knowledgeable attorney can help you with debts like this and with ways to avoid garnishments.

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