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There are some options for protecting your wages from garnishment, such as by objecting to a writ of garnishment or filing an exemption claim with the court. You can also stop most wage garnishments by filing for bankruptcy.
In Washington, most creditors can garnish the lesser of (subject to some exceptionsmore below): 25% of your weekly disposable earnings, or. your weekly disposable earnings less 35 times the federal minimum hourly wage.
The consequences for ignoring a garnishment can be extreme. In the majority of states, an offending garnishee (i.e., an employer) is liable for up to the full amount of the debtors (whether this person turns out to be an employee or not) outstanding debt.
Washington State Personal Property Exemptions Clothing. Family pictures and keepsakes. Cell phone, personal computer, and printer. Household goods, furniture, and provisions. Child support. Professionally prescribed health aids. Personal injury recovery. Tuition units.
Federal law limits wage garnishments to 25% of your disposable income (15% for federal student loans) or the amount exceeding 30 times the federal minimum wage, whichever is less.
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