Protect Your Paycheck • Keep 75% of Your Income • Texas Exemptions
Texas Law Protects You:
Texas has some of the strongest wage garnishment protections in the US:
In Texas, under the Consumer Credit Protection Act, we can protect up to 25% of your disposable earnings or the amount by which your weekly income exceeds 30 times the federal minimum wage, whichever is less. Using this calculator, you can determine exactly how much of your paycheck remains shielded from garnishment based on your specific financial and family situation.
See exactly how much of your paycheck you can protect under Texas law
In Texas, your regular wages are 75% protected from garnishment, meaning only up to 25% of your disposable income can be garnished, with a minimum protection amount of $217.50 per week. This ensures that, despite financial setbacks, you retain a significant portion of your earnings to support yourself and your family.
Texas law provides strong protections for working families
We immediately file for bankruptcy to stop wage garnishment on the same day, invoking the automatic stay that halts all collection activities under the U.S. Bankruptcy Code. Additionally, we leverage Texas exemption claims to challenge and potentially recover wages garnished within the past 90 days, safeguarding your income and addressing the underlying debt efficiently.
Multiple strategies to protect your income immediately
Stops garnishment same day filed. The automatic stay immediately halts all collection activities, including wage garnishment. You get your full paycheck back while we handle your debts.
Challenge excessive garnishments. Many garnishments violate Texas law by taking more than legally allowed. We file objections to reduce or eliminate improper garnishments.
Fight improper garnishments in court. Challenge garnishments based on procedural violations, incorrect amounts, or protected income sources.
Negotiate lump sum payoffs. Often creditors will accept significantly less to stop garnishment and close the account completely.
Structure finances for maximum protection. Legal strategies to shield income and assets from future garnishment attempts.
Address all debts systematically. Stop garnishment as part of a complete financial recovery plan that eliminates debt stress permanently.
We immediately halt wage garnishments, allowing you to retain your full paycheck. For example, by filing Chapter 7, we stopped a garnishment that was taking $800 every two weeks, saving our client over $19,200 annually. Trust us to protect your income and eliminate debt efficiently, as we've done in over 13,000 cases.
See how much our clients are saving every month
"They were taking $800 from my $2,400 paycheck every two weeks. David filed Chapter 7 and the garnishment stopped immediately. I got my full paycheck back while we eliminated all my credit card debt."
"Medical bills from my heart surgery led to wage garnishment. Herrin Law proved my disability income was protected and stopped the garnishment completely. Didn't even need to file bankruptcy."
"Single mom, head of household. They were garnishing way more than legal. David got it reduced to the minimum and we set up a payment plan I could actually afford."
Yes, filing for bankruptcy stops wage garnishment immediately due to the "automatic stay." In Texas, wage garnishment is limited to 25% of your disposable income. By filing for bankruptcy, we can halt this process on the same day, ensuring you receive your full paycheck as we work on resolving your debts.
Get immediate answers to urgent garnishment questions
YES! Filing bankruptcy creates an immediate "automatic stay" that stops wage garnishment the same day. Your employer must stop the garnishment immediately upon receiving notice of the filing. You get your full paycheck back while we handle your debts.
Texas law limits wage garnishment to 25% of your disposable income OR your weekly pay minus $217.50, whichever is less. This means you keep at least 75% of your paycheck or $217.50 per week minimum. Many garnishments violate this law - we can get them reduced.
NO! Federal benefits like Social Security, SSDI, SSI, Veterans benefits, and unemployment are 100% protected from creditor garnishment in Texas. If these funds are being garnished, it's illegal and we can stop it immediately and recover the money.
Often YES! In bankruptcy, we can recover garnished wages taken in the 90 days before filing. If the garnishment violated Texas exemption laws, we can recover improperly taken funds. We regularly get clients thousands of dollars back in wrongfully garnished wages.
Head of household status provides additional protections under Texas law. You may qualify for enhanced exemptions that reduce or eliminate garnishment. We help prove your head of household status to maximize your protection.
We offer $0 down options for wage garnishment cases because we understand money is tight. Chapter 7 bankruptcy costs $338 court fees plus attorney fees that can be paid over time. Given that garnishment often takes $400-800+ per month, stopping it pays for itself quickly.
Every day you wait, they take more of your hard-earned money. Stop wage garnishment TODAY.
Professional Legal Representation
Free consultation • Payment plans available • Same day filing • Texas exemption experts
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