🐎 Kentucky Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Kentucky? Wage garnishment is an effective tool in the Bluegrass State. Kentucky follows federal garnishment guidelines, making it straightforward for creditors. This guide covers everything you need to know as part of your Kentucky judgment collection strategy.
⚖️ What Is Wage Garnishment in Kentucky?
Wage garnishment in Kentucky allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Kentucky Revised Statutes Chapter 425, 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 Kentucky.
💡 Key Point: Kentucky judgments last 15 years and can be renewed. This gives creditors substantial time to pursue collection through wage garnishment.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – Kentucky DOR and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Kentucky Wage Garnishment Limits
Kentucky follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Kentucky 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 Kentucky?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Kentucky
- Obtain a Money Judgment
Get a Kentucky judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Kentucky skip tracing finds employer information.
- File Garnishment Order
File Order of Garnishment with the court that issued the judgment.
- Serve the Employer
Serve garnishment 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 Kentucky
🏙️ Kentucky Coverage
- Louisville – State’s largest city
- Lexington – Bluegrass region hub
- Frankfort – State capital
- Bowling Green – South-central Kentucky
- Northern Kentucky – Cincinnati metro area
🎯 Kentucky Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Kentucky.
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 Kentucky Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Kentucky Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
15 years, renewable before expiration.
