Extract Data From Legal Alabama Garnishment Forms For Free

How much of my paycheck can be garnished? Nothing, unless your take-home pay is at least $217.50 per week. Subtract from your gross income pay legally required deductions. ... If your take-home pay is more than that: No more than 25 percent of your pay can be garnished.

Ordinary garnishments Under Title III, the amount that an employer may garnish from an employee in any workweek or pay period is the lesser of: 25% of disposable earnings -or- The amount by which disposable earnings are 30 times greater than the federal minimum wage.

Garnishing your refund Federal law allows only state and federal government agencies (not individual or private creditors) to take your refund as payment toward a debt. However, once you deposit the refund into your bank account, these rules no longer apply.

There are four ways to open a bank account that no creditor can touch: (1) use an exempt bank account, (2) establish a bank account in a state that prohibits garnishments, (3) open an offshore bank account, or (4) maintain a wage or government benefits account.

If you bring home wages that are less than $1,000.00 per pay period, you may be eligible to file a claim of exemptions with the Court Clerk to stop the garnishment. The creditor will have 10 days to file a contest to your claim of exemptions.

Limits on Wage Garnishment in Alabama While states are free to impose stricter limits, Alabama's law is similar to federal law. For consumer debts, creditors can't take more than 25% of your disposable earnings or any amount that exceeds 30 times the federal minimum wage, whichever is the lesser amount.