🌰 Ohio Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Ohio? Wage garnishment in the Buckeye State follows federal guidelines with some state-specific procedures. Ohio has straightforward garnishment rules for creditors. This guide covers everything you need to know as part of your Ohio judgment collection strategy.
⚖️ What Is Wage Garnishment in Ohio?
Wage garnishment in Ohio allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Ohio Revised Code Chapter 2716, 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 Ohio.
💡 Key Point: Ohio judgments last only 5 years but can be renewed. Act quickly to begin collection! Ohio 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 – Ohio DT and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Ohio Wage Garnishment Limits
Ohio follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Ohio 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 Ohio?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Ohio
- Obtain a Money Judgment
Get an Ohio judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Ohio skip tracing finds employer information.
- File Garnishment Order
File order of garnishment with the court.
- Serve the Employer
Serve order on the employer (garnishee).
- Employer Files Answer
Employer must respond with employment and wage information.
- Court Issues Continuing Order
Garnishment continues until judgment satisfied.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in Ohio
🏙️ Ohio Coverage
- Columbus – State capital and largest city
- Cleveland – Northeast Ohio
- Cincinnati – Southwest Ohio
- Toledo – Northwest Ohio
- Akron/Canton – Northeast Ohio
🎯 Ohio Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Ohio.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File garnishment order
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 Ohio Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Ohio Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
5 years, renewable before expiration. Act quickly!
