⚓ Rhode Island Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Rhode Island? Wage garnishment in the Ocean State follows federal guidelines. Rhode Island has straightforward garnishment procedures for creditors. This guide covers everything you need to know as part of your Rhode Island judgment collection strategy.
⚖️ What Is Wage Garnishment in Rhode Island?
Wage garnishment in Rhode Island allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Rhode Island General Laws Chapter 9-26, 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 Rhode Island.
💡 Key Point: Rhode Island judgments last 20 years – one of the longest periods in the nation! Rhode Island 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 – RI Division of Taxation and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Rhode Island Wage Garnishment Limits
Rhode Island follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Rhode Island 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 Rhode Island?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Rhode Island
- Obtain a Money Judgment
Get a RI judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Rhode Island skip tracing finds employer information.
- File Writ of Execution
File writ with the court for garnishment.
- 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 Rhode Island
🏙️ Rhode Island Coverage
- Providence – State capital and largest city
- Warwick – Second largest city
- Cranston – Providence metro
- Pawtucket – Providence metro
- Newport – Coastal area
🎯 Rhode Island Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Rhode Island.
Start Your Search →🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can claim exemptions
📍 Our Rhode Island Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Rhode Island Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
20 years – one of the longest judgment periods in the nation!
