⛰️ Idaho Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Idaho? Wage garnishment is an effective tool in the Gem State. Idaho follows federal garnishment guidelines, making it straightforward for creditors to collect. This guide covers everything you need to know as part of your Idaho judgment collection strategy.
⚖️ What Is Wage Garnishment in Idaho?
Wage garnishment in Idaho allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Idaho Code Title 11, Chapter 7, following federal CCPA guidelines.
For creditors working on how to collect a judgment, wage garnishment is highly effective. Our skip tracing services help locate debtors throughout Idaho.
💡 Key Point: Idaho judgments last only 6 years but can be renewed for additional 6-year periods. Act promptly to begin collection!
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – Idaho State Tax Commission and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Idaho Wage Garnishment Limits
Idaho follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Idaho Exemption Table
| Debt Type | Maximum Garnishment | Notes |
|---|---|---|
| 📄 Consumer Debt | 25% or 30× min wage test | Standard process |
| 👨👩👧 Child Support | 50-65% | Priority over others |
| 🎓 Student Loans | 15% | Administrative process |
| 🏛️ Tax Debt | Varies | Broad powers |
🔍 Need to Find a Debtor’s Employer in Idaho?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Idaho
- Obtain a Money Judgment
Get an Idaho judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Idaho skip tracing finds employer information.
- File Writ of Execution
File with the court to obtain a writ of execution for garnishment.
- Serve the Employer
Have the writ served on the employer by sheriff or process server.
- Employer Responds
Employer must answer and begin withholding wages.
- Debtor Notification
Debtor receives notice and can claim exemptions.
- Monitor Payments
Track payments and provide release when satisfied.
🔍 Skip Tracing in Idaho
🏙️ Idaho Coverage
- Boise Metro – State’s largest population center
- Meridian/Nampa – Treasure Valley growth areas
- Idaho Falls – Eastern Idaho hub
- Pocatello – Southeast Idaho
- Coeur d’Alene – Northern Idaho
- Twin Falls – Magic Valley region
🎯 Idaho Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Idaho.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File writ of execution
Week 1-2: Serve employer
Week 2-4: Employer begins withholding
Week 4-6: First payment received
🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can claim exemptions
⚠️ Legal Note: This is general information, not legal advice. Complex matters may require an Idaho attorney.
📍 Our Idaho Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Idaho Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
6 years, renewable for additional 6-year periods.
