How much of your paycheck a creditor can garnish for ordinary consumer debt in Texas, and what's protected. General information, not legal advice — confirm the cited statute.
Max garnishment (consumer debt)
Prohibited for ordinary consumer debt
What's protected
Wages can't be garnished for credit-card, medical or personal-loan debt
Texas note: Texas constitutionally bars wage garnishment for consumer debt. Exceptions: child support, alimony, taxes and federal student loans — and money is reachable once it lands in a bank account. Source: Tex. Const. art. XVI, § 28; Tex. Civ. Prac. & Rem. Code § 63.004.
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How to protect your pay in Texas
Consumer-debt creditors can't garnish your wages here — if one threatens to, that's a red flag the demand may be improper.
Watch your bank account: garnished or deposited funds can still be levied, so keep exempt funds (wages, benefits) traceable.
A judgment can still exist — respond to any lawsuit so a default judgment doesn't open other collection routes.
Child support, taxes and federal student loans are not covered by the ban and can still reach your pay.
True for everyone facing garnishment
Federal law already protects a weekly floor — and many states protect more — for consumer debt, a creditor can take at most the lesser of 25% of your disposable pay or the amount above 30× the federal minimum wage ($217.50/week). Many states cap it lower or shield far more.
Four states ban consumer-debt wage garnishment entirely — Texas, Pennsylvania, North Carolina and South Carolina do not allow your wages to be garnished for ordinary debts like credit cards or medical bills.
Child support, taxes and student loans are different — and harsher — the consumer-debt caps here don't apply to child support (up to 50–60%), back taxes, or defaulted federal student loans (15%) — those follow their own, higher limits.
A creditor needs a court judgment first (for consumer debt) — for credit-card or medical debt, a creditor must sue and win a judgment before garnishing — so responding to the lawsuit is your first and best chance to stop it.
'Disposable earnings' means after legally-required deductions only — it's your pay after taxes and mandatory withholdings — not after rent, car payments or other bills, so the garnishable base is larger than people expect.
You can claim exemptions — but usually only if you file them — head-of-household, low-income and dependent exemptions often aren't automatic; you must file a claim of exemption with the court, fast, or you lose them.
Money in a bank account isn't as protected as wages — once garnished wages or other funds hit your account they can be levied separately — even in states that ban wage garnishment — so exemptions there matter too.
FAQ
Can my wages be garnished in Texas?
Not for ordinary consumer debt. Texas does not allow wage garnishment for debts like credit cards, medical bills or personal loans. Child support, taxes and federal student loans are exceptions, and money in your bank account can still be levied. Texas constitutionally bars wage garnishment for consumer debt. Exceptions: child support, alimony, taxes and federal student loans — and money is reachable once it lands in a bank account.
Can a credit card company garnish my wages in Texas?
No. In Texas, a credit-card or other consumer-debt creditor cannot garnish your paycheck even after winning a lawsuit — though they may pursue your bank account or other assets instead.
What debts CAN be collected from wages in Texas?
Court-ordered child support and alimony, unpaid state and federal taxes, and defaulted federal student loans can still reach your wages — those follow their own federal limits, not the consumer-debt ban.