New York Wage Garnishment — Max Percentage, Exemptions & Bans
Your New York wage garnishment snapshot: caps, exemptions, and bans.
New York Wage Garnishment at a Glance
| Max garnishment (consumer debt) | 25% of disposable earnings |
|---|---|
| Federal protection floor | $217.50 / week (30 × $7.25 federal minimum wage) |
| Head-of-household exemption | Standard federal rule |
| Exceptions that can still be taken | Child support, unpaid taxes, and federal student loans follow separate (often higher) limits. |
| Key source | N.Y. C.P.L.R. 5231; CCPA Title III |
What This Means in New York
New York applies the federal CCPA cap (N.Y. C.P.L.R. 5231).
Estimate Your Own Limit
Want a number for your paycheck? Open the New York wage garnishment calculator and enter your weekly disposable income.
This page is a general reference for New York. Garnishment rules differ by debt type and can change with legislation. Confirm current requirements with the New York court or a local attorney before relying on it.
Frequently Asked Questions
How much can be garnished from wages in New York?
For most consumer debt, the federal cap is the lesser of 25% of weekly disposable earnings or the amount above $217.50/week. Some states add more protection; New York follows the federal framework. Child support, taxes, and federal student loans follow separate rules.
Is there a head-of-household protection in New York?
There is no special head-of-household wage exemption written into New York law beyond the federal $217.50/week floor, though some debt types are handled differently. Verify with the court.