Texas Wage Garnishment Exemptions
When you are struggling to stay above water financially, it can be very frustrating to then have your wages garnished. In the last few years, Texas legislatures have made changes in the laws to help individuals and families struggling to stay out of debt and keep their homes. Under Texas Statutes Section 222.11, there are certain exemptions from having your wages garnished. This can make it a little easier for you and your family during this difficult financial time.
Get The Knowledge And Guidance You Need
Talk to the bankruptcy lawyers at Acosta Law. Our
Texas wage garnishment attorneys are very experienced with Texas bankruptcy laws and related laws that could impact your own situation. It is important that you have the proper guidance to help you understand the law and utilize it in a way that is most advantageous for you and your family. In hard financial times it is vital that you get help in every way that you can. Discuss your
wage garnishment situation and potential exemption from this by
reaching out to our law firm in Houston, Texas.
How Texas Law Can Help You In A Wage Garnishment Situation
Under Texas Statutes Section 222.11, there are specific exemptions laid out for those who are having their wages garnished by sources like creditors, the IRS or hospitals. Particularly in Texas, this statute is somewhat generous in providing exemptions, after lawmakers saw a need to help people after the financial fallout in 2008.
Section 222.11 provides exemptions from wage garnishments if:
- You are the head of the household and earn more than $750 a week in disposable income (unless the person agrees to this in writing).
- If you are exempt from wage garnishments, your accumulated income deposited in a financial institution is also exempt for six months after the deposit
- Any persons not considered "head of the household" are also exempt from having 75 percent of their earning garnished (over six-month period)
- If the head of the household does earn more than $750 a week in disposable income, creditors cannot garnish wages unless they receive written permission specified under the statute.
As you can see, Texas wage garnishment exemption laws are quite generous to the consumer. So it is important to understand if you qualify by talking to a skilled attorney.
Schedule Your Free Consultation About Wage Garnishment Exemptions
We invite you to schedule your free consultation at your earliest convenience. During your appointment one of our dedicated attorneys will discuss your specific financial situation with you and whether wage garnishment exemptions could apply. Call 713-980-9014 today.