🌸 Mississippi Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Mississippi? Wage garnishment in the Magnolia State follows federal guidelines. Mississippi has straightforward garnishment procedures for creditors. This guide covers everything you need to know as part of your Mississippi judgment collection strategy.
⚖️ What Is Wage Garnishment in Mississippi?
Wage garnishment in Mississippi allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Mississippi Code Title 11, Chapter 35, following federal CCPA limits.
For creditors working on how to collect a judgment, wage garnishment is effective. Our skip tracing services help locate debtors throughout Mississippi.
💡 Key Point: Mississippi judgments last 7 years and can be renewed. Mississippi follows standard federal garnishment limits.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – Mississippi DOR and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Mississippi Wage Garnishment Limits
Mississippi follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Mississippi 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 Mississippi?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Mississippi
- Obtain a Money Judgment
Get a Mississippi judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Mississippi skip tracing finds employer information.
- File Writ of Garnishment
File writ of garnishment with the court.
- Serve the Employer
Serve writ on the employer (garnishee).
- Employer Files Answer
Employer must respond with employment and wage information.
- Court Issues Order
Garnishment continues until judgment satisfied.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in Mississippi
🏙️ Mississippi Coverage
- Jackson – State capital and largest city
- Gulfport-Biloxi – Gulf Coast area
- Hattiesburg – South Mississippi
- Tupelo – Northeast Mississippi
- Southaven – Memphis metro area
🎯 Mississippi Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Mississippi.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File writ of garnishment
Week 1-2: Serve employer
Week 2-4: Employer files answer
Week 4-6: First payment received
🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can claim exemptions
📍 Our Mississippi Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Mississippi Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
7 years, renewable before expiration.
