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Up to 25% of Wages Are Garnished Until Debt is Repaid Wage garnishment in Arizona is limited in ance with the federal Consumer Credit Protection Act (CCPA). This means that garnishees may withhold no more than 25%* of your non-exempt disposable earnings to be paid to a single judgment creditor.

If after December 5, 2022, then the new law which only allows for 10% garnishment is in place. The employer should look at the garnishment package to see when the judgment was effective as that will dictate whether 25% or 10% of the employee's non-exempt disposable earnings can be garnished.

Property may be subject to garnishment, but not all property can be garnished; some property is protected (see A.R.S. Title 33, Chapter 8). For example, a judgment creditor who garnishes a bank account may only take the money that is in the account on the day the Writ of Garnishment is served on the bank.

Bankruptcy prevents most garnishments from going into effect, and stops garnishments that are already in place. Bankruptcy also allows you to eliminate most types of unsecured debt, including most judgments.

Limits on Wage Garnishment in Arizona On a weekly basis, the garnishment can't exceed the lesser of: 25% of your disposable earnings for that week, or. the amount by which your disposable earnings for that week surpasses 30 times the federal minimum hourly wage.

Types of Wage Garnishment in Arizona Almost any debt can eventually result in a wage garnishment. However, debts like credit cards, student loans, and domestic obligations can all be garnished at different rates. If your debt is to your bank, they may use a bank levy instead of a typical wage garnishment.