Federal Consumer Credit Protection Act Limits
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FAQ
However, the IRS is unfortunately not bound by this law. This means that they can choose how much to garnish from your wages each month, depending on how much you owe and how much you earn. The limit is typically between 25-50% of your disposable earnings after deductions are made.
Congress enacted the Federal Consumer Credit Protection Act (CCPA) to provide wage earners nationwide with uniform protections against excessive wage garnishments. As a general rule, the CCPA will not allow the garnishment of more than 25% of an individual's "disposable earnings." (See 15 U.S.C.
Title III of the CCPA's Limitations on Wage Garnishments Title III of the CCPA(Title III) limits the amount of an individual's earnings that may be garnished and protects an employee from being fired if pay is garnished for only one debt.
The Federal Consumer Credit Protection Act (CCPA) As a general rule, the CCPA will not allow the garnishment of more than 25% of an individual's "disposable earnings." (See 15 U.S.C. 1673(a).)
California, like many states, mirrors the federal limit of 25% for most types of debts. However, child support orders can increase garnishment to 60% if the debtor supports no other dependents.