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The state mostly abides by the federal wage garnishment laws (up to 25% of your paycheck), with one addition to protect debtors: to get a garnishment in TN, creditors have to file a lawsuit. This protects debtors in a few ways: the creditors have to prove the debt in court. they have to notify the debtor.

Tennessee's wage assignment laws Wage assignment laws in Tennessee limit the amount of money that your employer can withhold from your paycheck and send in for payment of child support. The law is designed to provide you with enough leftover income to pay your living expenses.

Up to 50% of a worker's disposable earnings if the worker is supporting another spouse or child, or up to 60% if the worker is not. The IRS factors in the employees standard deductions and number of dependents. The maximum amount is 50%. Wage garnishment rates vary from state to state.

Under federal law, most private-sector employees have the right to discuss their conditions of employment, including wages and benefits, without fear of retaliation from their employer.

Tennessee's wage assignment laws The employer may be permitted to withhold at least 50% of your ?disposable earnings? for that week (that is, the wages remaining after the employer has made mandatory deductions), and can withhold as much as 65% of your ?disposable earnings? under certain circumstances.

For most creditors, the first step toward garnishing your wages is filing a debt collection lawsuit against you and securing a judgment. When you are served with a lawsuit, you should not ignore it. If you don't respond and don't go to court, a default judgment will usually be entered against you.