🏁 Indiana Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Indiana? Wage garnishment is an effective tool in the Hoosier State. Indiana follows federal garnishment guidelines, making it straightforward for creditors to collect. This guide covers everything you need to know as part of your Indiana judgment collection strategy.
⚖️ What Is Wage Garnishment in Indiana?
Wage garnishment in Indiana allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Indiana Code Title 24, Article 4.5, following federal CCPA guidelines.
For creditors working on how to collect a judgment, wage garnishment is highly effective. Our skip tracing services help locate debtors throughout Indiana.
💡 Key Point: Indiana judgments last an impressive 20 years! This gives creditors substantial time to collect through wage garnishment and other methods.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – Indiana DOR and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Indiana Wage Garnishment Limits
Indiana follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Indiana 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 Indiana?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Indiana
- Obtain a Money Judgment
Get an Indiana judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Indiana skip tracing finds employer information.
- File Proceedings Supplemental
Indiana uses “Proceedings Supplemental” to initiate wage garnishment.
- Serve the Employer
Serve garnishment order on the employer.
- Employer Begins Withholding
Employer withholds and remits wages according to order.
- Debtor Notification
Debtor receives notice and can claim exemptions.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in Indiana
🏙️ Indiana Coverage
- Indianapolis Metro – State’s largest population center
- Fort Wayne – Northeast Indiana hub
- Evansville – Southern Indiana
- South Bend – Northern Indiana
- Gary/NW Indiana – Chicago metro area
🎯 Indiana Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Indiana.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File proceedings supplemental
Week 1-2: Serve employer with garnishment order
Week 2-4: Employer begins withholding
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 Indiana Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Indiana 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 country!
