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Washington Wage Garnishment Process. To get a wage garnishment, a creditor must first go to court and get a court order and judgment. This is true for wage and bank account garnishments. This is done by filing a summons and complaint with the court and serving the debtor with the summons and complaint.

Consumer debt exemptions are based on either 80% of disposable income or 35 times the state minimum wage which is now (2023) set at $15.74. Federal minimum wage remains unchanged and applies to general non-consumer, non-student loan, non child support, non spousal support type debts.

Washington's garnishment laws are among the most oppressive in the nation. In fact, Washington's garnishment laws are only slightly stronger than the minimum protections provided for under federal law." Creditors are allowed to garnish a larger percentage of wages in Washington than in many other states.

In Washington, creditors can garnish 25% of your take-home pay. Even if you have a higher income and will need to file a Chapter 13 repayment plan, that is much better than being garnished. In most situations, a garnishment means things have really spun out of control. Only one creditor can garnish at a time.

Limits on Wage Garnishment in Washington. In Washington, most creditors can garnish the lesser of (subject to some exceptions?more below): 25% of your weekly disposable earnings, or.

Some states offer more protection for debtors. Washington law prohibits your employer from firing you because a creditor garnished or tried to garnish your wages unless you're served with three or more separate garnishment orders within 12 consecutive months.