Instructions wage garnishment 2026

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  1. Click ‘Get Form’ to open the instructions wage garnishment document in the editor.
  2. Begin by reviewing the important legal notice regarding earnings withholding orders. Understand that your employer is required to pay part of your earnings to a levying officer.
  3. Locate the section detailing how much of your pay will be withheld. Generally, this is about 25% of your take-home pay. If you have questions, consult your employer for clarification.
  4. If you wish to request an exemption, follow the instructions provided. Call or write the levying officer for copies of the 'Claim of Exemption' and 'Financial Statement' forms.
  5. Fill out both forms carefully, ensuring you provide detailed information about your financial needs and any supporting documentation.
  6. Sign both forms and submit two copies to the levying officer while keeping one for your records.

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Creditors generally cannot garnish more than 25 percent of your disposable wages. Disposable wages are the earnings that remain after deducting all withholdings required by law, or any of your disposable wages if you make less than $380 per week. These limits do not apply to judgments for child support.
Garnishment Attachment When somebody gets a money judgment, they (the judgment creditor) then can take actions to collect the money from the person who owes the money (the judgment debtor) by garnishment (getting paid out of judgment debtors wages) or attachment (taking judgment debtors property).
To stop the garnishment and seek to have your day in court, you can file a Motion to Vacate. This form is available in the Forms section of the Civil Law Self-Help Centers website. You can find one on this website under Motion to Vacate (never served).
A creditor may not garnish more than 25% of your wages per pay period. For individuals earning minimum wage or near minimum wage, you must be left with an amount equal to 30 times the Maryland minimum hourly wage.

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