🏔️ Montana Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Montana? Wage garnishment in the Treasure State follows federal guidelines. Montana has straightforward garnishment procedures for creditors. This guide covers everything you need to know as part of your Montana judgment collection strategy.
⚖️ What Is Wage Garnishment in Montana?
Wage garnishment in Montana allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Montana Code Annotated Title 25, Chapter 13, following federal CCPA limits.
For creditors working on how to collect a judgment, wage garnishment is effective. Our skip tracing services help locate debtors throughout Montana.
💡 Key Point: Montana judgments last 10 years and can be renewed. Montana follows standard federal garnishment limits.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – Montana DOR and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Montana Wage Garnishment Limits
Montana follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Montana 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 Montana?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Montana
- Obtain a Money Judgment
Get a Montana judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Montana skip tracing finds employer information.
- File Writ of Execution
File writ with the court for garnishment.
- Serve the Employer
Serve writ on the employer (garnishee).
- Employer Files Answer
Employer must respond with employment and wage information.
- Court Issues Order
Garnishment continues until judgment satisfied.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in Montana
🏙️ Montana Coverage
- Billings – State’s largest city
- Missoula – Western Montana hub
- Great Falls – North-central Montana
- Bozeman – Growing tech hub
- Helena – State capital
🎯 Montana Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Montana.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File writ of execution
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 Montana Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Montana Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
10 years, renewable before expiration.
