🚗 Michigan Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Michigan? Wage garnishment in the Great Lakes State follows federal guidelines with some unique state procedures. Michigan uses periodic garnishment for ongoing wage collection. This guide covers everything you need to know as part of your Michigan judgment collection strategy.
⚖️ What Is Wage Garnishment in Michigan?
Wage garnishment in Michigan allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Michigan Compiled Laws Chapter 600, with specific garnishment procedures.
For creditors working on how to collect a judgment, wage garnishment is effective. Our skip tracing services help locate debtors throughout Michigan.
💡 Key Point: Michigan judgments last 10 years and can be renewed for additional 10-year periods. Michigan uses “periodic garnishment” which continues automatically until the judgment is satisfied.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – Michigan Treasury and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Michigan Wage Garnishment Limits
Michigan follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Michigan Exemption Table
| Debt Type | Maximum Garnishment | Notes |
|---|---|---|
| 📄 Consumer Debt | 25% or 30× min wage test | Periodic garnishment |
| 👨👩👧 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 Michigan?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Michigan
- Obtain a Money Judgment
Get a Michigan judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Michigan skip tracing finds employer information.
- Request Writ of Garnishment
File Request and Writ of Garnishment (Periodic) with the court.
- Serve the Employer
Serve writ on the employer (garnishee).
- Employer Returns Disclosure
Employer must file disclosure verifying employment and wages.
- Garnishment Continues
Periodic garnishment continues until judgment satisfied.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in Michigan
🏙️ Michigan Coverage
- Detroit Metro – State’s largest population center
- Grand Rapids – West Michigan hub
- Ann Arbor – University of Michigan area
- Lansing – State capital
- Flint/Saginaw – Mid-Michigan
🎯 Michigan Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Michigan.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File writ of garnishment
Week 1-2: Serve employer
Week 2-3: Employer files disclosure
Week 4-6: First payment received
🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can claim exemptions within 14 days
📍 Our Michigan Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Michigan Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
10 years, renewable for additional 10-year periods.
