1. What is Wage Garnishment?

Wage garnishment is a legal procedure where a portion of a person's earnings is withheld by their employer for the payment of a debt. Both Maryland and California have specific rules governing how much can be garnished from disposable earnings.

2. How Garnishment is Calculated

The calculator uses the federal formula:

Where:

• Disposable Earnings — Earnings after legally required deductions
• Exemption Amount — Protected amount based on state law
• 25% Limit — Federal maximum for most garnishments

3. Maryland vs California Rules

Maryland: Follows federal exemption rules which are the greater of 30 times federal minimum wage or 25% of disposable income.

California: Provides more generous protections with higher exemption amounts that vary based on filing status and dependents.

4. Using the Calculator

Tips: Enter your state, disposable earnings (after taxes and required deductions), and the applicable exemption amount. The calculator will determine the maximum that can be garnished under the law.

5. Frequently Asked Questions (FAQ)

Q1: What counts as disposable earnings?
A: Earnings after deductions required by law (taxes, Social Security, etc.), but before voluntary deductions.

Q2: Are there different rules for child support?
A: Yes, child support garnishments can take up to 50-60% of disposable income depending on circumstances.

Q3: Can my employer fire me for garnishment?
A: Federal law protects against termination for a single garnishment, but multiple garnishments may not be protected.

Q4: How do I find my state's exemption amount?
A: Check with your state's labor department or consult with an attorney familiar with wage garnishment laws.

Q5: Can I challenge a garnishment?
A: Yes, you may be able to file a claim of exemption if the garnishment would cause undue hardship.