🌲 Arkansas Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Arkansas? Wage garnishment is a powerful tool for recovering money owed to you in the Natural State. Arkansas follows federal garnishment guidelines, providing a clear framework for creditors. This guide covers everything you need to know as part of your Arkansas judgment collection strategy.
⚖️ What Is Wage Garnishment in Arkansas?
Wage garnishment in Arkansas allows judgment creditors to collect money directly from a debtor’s paycheck. The process is governed by Arkansas Code Annotated Title 16, Chapter 110, following federal CCPA guidelines.
For judgment creditors working on how to collect a judgment, wage garnishment is highly effective. Our skip tracing services help locate debtors and employers throughout Arkansas.
💡 Key Point: Arkansas judgments last 10 years and can be renewed. Wage garnishment continues until your judgment is fully satisfied, including accrued interest and costs.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support Withholding – Up to 50-65% of disposable earnings
- Tax Levies – Federal IRS and Arkansas DFA have broader powers
- Student Loan Garnishment – Up to 15% for federal student loans
💰 Arkansas Wage Garnishment Limits
Arkansas follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage ($217.50/week)
📋 Arkansas 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 Arkansas?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Arkansas
- Obtain a Money Judgment
Get a valid Arkansas judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Arkansas skip tracing finds employer information.
- File Writ of Garnishment
File with the court that issued your judgment and pay filing fees.
- Serve the Employer
Serve garnishment on employer via sheriff, process server, or certified mail.
- Employer Files Answer
Employer must respond disclosing employment status and pay information.
- Court Issues Order
Continuing garnishment order issued until judgment satisfied.
- Monitor Payments
Track payments and provide release when paid in full.
🔍 Skip Tracing in Arkansas
Our skip tracing services cover all Arkansas areas:
🏙️ Arkansas Coverage
- Little Rock – State capital, largest metro
- Fort Smith – Western Arkansas hub
- Fayetteville/Springdale – NW Arkansas growth corridor
- Jonesboro – Northeast Arkansas
- Pine Bluff – Southeast Arkansas
🎯 Arkansas Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Arkansas.
Start Your Search →⏱️ Garnishment Timeline
Week 1-2: File garnishment papers
Week 2-3: Serve employer
Week 3-5: Employer files answer
Week 5-8: 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 Arkansas attorney.
📍 Our Arkansas Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Arkansas Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
10 years, renewable before expiration.
Yes, after domesticating it in Arkansas.
