Texas Wage Garnishment Calculator 2026

Texas largely exempts wages from garnishment for consumer debts. Creditors cannot garnish your paycheck for credit cards, medical debt, or personal loans. However, child support, student loans, and tax debt can still be garnished under federal law.

Yes — significantly. Texas is one of the most protective states in the country for wages from consumer debt. While federal law allows up to 25% of disposable income to be garnished, Texas law largely prohibits consumer debt garnishment entirely.

Generally no — Texas law protects wages from consumer debt garnishment including credit card debt. A creditor who obtains a court judgment against you typically cannot garnish your paycheck in Texas. They may be able to levy bank accounts or other assets instead.

If you receive a wage garnishment notice in Texas: (1) Review the garnishment order for accuracy — verify the debt amount and that you are the correct debtor. (2) Check if any exemptions apply (e.g., head of household in Florida, general exemptions in TX/PA/NC/SC). (3) Consider negotiating a payment plan with the creditor to stop the garnishment. (4) Consult a Texas attorney or legal aid society for specific advice. (5) Bankruptcy can provide an immediate automatic stay on most garnishments.

Regardless of state, these income types have strong federal protections: Social Security benefits (exempt from consumer debt garnishment), SSI (fully exempt), Veterans benefits (fully exempt), federal student loan disbursements (exempt), and most public assistance. In Texas, wages themselves are largely exempt from consumer debt garnishment. State rules may provide additional exemptions for pensions, disability payments, and other income types. TODO: VALIDATE Texas-specific exemptions via official sources.