⚜️ Louisiana Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Louisiana? Wage garnishment in the Pelican State follows unique civil law traditions. Louisiana follows federal garnishment limits while having its own procedural requirements. This guide covers everything you need to know as part of your Louisiana judgment collection strategy.
⚖️ What Is Wage Garnishment in Louisiana?
Wage garnishment in Louisiana allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Louisiana Code of Civil Procedure and follows federal CCPA guidelines for limits.
For creditors working on how to collect a judgment, wage garnishment is effective. Our skip tracing services help locate debtors throughout Louisiana.
💡 Key Point: Louisiana judgments last 10 years and can be revived. Louisiana’s civil law system (based on Napoleonic Code) has unique procedural aspects compared to other states.
⚠️ Louisiana Difference: Louisiana uses “garnishment” rather than “wage attachment” and has specific procedural requirements. The state also has unique parish (county) court systems.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – Louisiana DOR and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Louisiana Wage Garnishment Limits
Louisiana follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Louisiana 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 Louisiana?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Louisiana
- Obtain a Money Judgment
Get a Louisiana judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Louisiana skip tracing finds employer information.
- File Petition for Garnishment
File garnishment petition with the court. Louisiana has specific forms.
- Serve the Employer
Serve garnishment on the employer (garnishee) through proper channels.
- Employer Files Answer
Employer must respond with employment and wage information.
- Court Issues Judgment
Garnishment continues until judgment satisfied.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in Louisiana
🏙️ Louisiana Coverage
- New Orleans – State’s largest city
- Baton Rouge – State capital
- Shreveport – Northwest Louisiana
- Lafayette – Acadiana region
- Lake Charles – Southwest Louisiana
🎯 Louisiana Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Louisiana.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File garnishment petition
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 Louisiana Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Louisiana Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
10 years, can be revived before expiration.
