🌴 Puerto Rico Wage Garnishment Laws & Collection Guide ()

📍 Collecting a judgment in Puerto Rico? Wage garnishment in Puerto Rico (“embargo de salario”) follows its own civil code with some federal protections. Puerto Rico has specific procedures for creditors. This guide covers everything you need to know as part of your Puerto Rico judgment collection strategy.

25%📊 Max Disposable Earnings
5 Yrs⏱️ Judgment Duration
30×💵 Min Wage Protection
24 hrs🔍 Employer Search Speed

⚖️ What Is Wage Garnishment in Puerto Rico?

Wage garnishment in Puerto Rico (“embargo de salario”) allows judgment creditors to collect directly from a debtor’s paycheck. The process follows Puerto Rico civil procedure with federal CCPA protections applying.

For creditors working on how to collect a judgment, wage garnishment is effective. Our skip tracing services help locate debtors throughout Puerto Rico.

💡 Key Point: Puerto Rico judgments last 5 years but can be renewed. Federal CCPA protections apply in Puerto Rico.

⚠️ Puerto Rico Considerations: Court filings may be in Spanish. Consider working with local counsel familiar with Puerto Rico civil procedure.

🏛️ Types of Wage Garnishment

  • Consumer Debt Garnishment – Limited to 25% of disposable earnings
  • Child Support – Up to 50-65% of disposable earnings
  • Tax Levies – PR Hacienda and IRS have garnishment powers
  • Student Loans – Up to 15% for federal student loans

💰 Puerto Rico Wage Garnishment Limits

Puerto Rico follows federal CCPA standards. Maximum garnishment is the lesser of:

🔢 Option 1: 25% of disposable earnings

💵 Option 2: Amount exceeding 30× federal minimum wage

📋 Puerto Rico Exemption Table

Debt TypeMaximum GarnishmentNotes
📄 Consumer Debt25% or 30× min wage testCCPA applies
👨‍👩‍👧 Child Support50-65%Priority over others
🎓 Student Loans15%Administrative process
🏛️ Tax DebtVariesPR Hacienda/IRS

🔍 Need to Find a Debtor’s Employer in Puerto Rico?

Our employment verification services locate employer information within 24 hours.

Order Employer Search →

📋 Steps to Garnish Wages in Puerto Rico

  1. Obtain a Money Judgment

    Get a PR judgment or domesticate an out-of-state/mainland judgment.

  2. Locate Debtor and Employer

    Our Puerto Rico skip tracing finds employer information.

  3. File Embargo de Salario

    File wage garnishment request with the court.

  4. Serve the Employer

    Serve garnishment order on the employer.

  5. Employer Withholds Wages

    Employer withholds per CCPA limits.

  6. Continuing Garnishment

    Garnishment continues until judgment satisfied.

  7. Monitor Payments

    Track payments and file satisfaction when paid.

🔍 Skip Tracing in Puerto Rico

🏙️ Puerto Rico Coverage

  • San Juan Metro – Capital and largest city
  • Bayamón – San Juan metro
  • Carolina – San Juan metro
  • Ponce – South coast
  • Mayagüez – West coast

🎯 Puerto Rico Debtor Hiding from Collection?

20+ years helping creditors locate judgment debtors throughout Puerto Rico.

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🛡️ Debtor Protections

  • 30× minimum wage protection – CCPA applies
  • Exempt income – Social Security, SSI, veterans benefits
  • Objection rights – Can claim exemptions

📍 Our Puerto Rico Services

🔍 Skip Tracing

💼 Asset Research

📞 Ready to Collect Your Puerto Rico Judgment?

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❓ FAQs

📋 How much can be garnished in Puerto Rico?

The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage. Federal CCPA applies.

⏱️ How long do Puerto Rico judgments last?

5 years, renewable before expiration.

📚 Resources

📖 Related Guides