🪨 New Hampshire Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in New Hampshire? Wage garnishment in the Granite State is limited compared to other states. New Hampshire only allows wage garnishment for specific debts like child support and taxes. This guide covers everything you need to know as part of your New Hampshire judgment collection strategy.
⚖️ What Is Wage Garnishment in New Hampshire?
New Hampshire severely restricts wage garnishment for consumer debts. Unlike most states, New Hampshire does NOT allow wage garnishment for most consumer judgments. Garnishment is only permitted for child support, taxes, and student loans.
For creditors working on how to collect a judgment, alternative collection methods are essential in New Hampshire. Our skip tracing services help locate debtors and assets.
⚠️ Critical Warning: New Hampshire does NOT allow wage garnishment for most consumer debts! You’ll need to pursue other collection methods like bank levies, property liens, or asset seizure.
💡 Key Point: New Hampshire judgments last 20 years, giving creditors time to pursue alternative collection methods. Focus on bank accounts and property.
🏛️ What CAN Be Garnished
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – IRS and NH DRA have garnishment powers
- Student Loans – Federal administrative wage garnishment
- Consumer Debt – NOT ALLOWED for regular judgments
💰 Alternative Collection Methods
Since wage garnishment isn’t available for consumer debts, focus on these alternatives:
🏦 Bank Levies: Attach debtor’s bank accounts
🏠 Property Liens: Lien on real estate
📋 Alternative Collection Options
| Method | Description | Effectiveness |
|---|---|---|
| 🏦 Bank Levy | Attach bank account funds | High if account found |
| 🏠 Property Lien | Record lien against real estate | Collects upon sale |
| 🚗 Asset Seizure | Seize non-exempt property | Varies by asset |
| 📋 Debtor Exam | Court-ordered asset disclosure | Reveals assets |
🔍 Need to Find a Debtor’s Assets in New Hampshire?
Our asset search services locate bank accounts and property for levies.
Order Asset Search →📋 Steps to Collect in New Hampshire
- Obtain a Money Judgment
Get a NH judgment or domesticate an out-of-state judgment.
- Locate Debtor and Assets
Our New Hampshire skip tracing finds debtors and assets.
- File Property Lien
Record judgment lien against real property.
- Request Bank Levy
File writ of execution to levy bank accounts.
- Conduct Debtor Exam
Court-ordered examination to discover assets.
- Pursue Non-Wage Assets
Seize eligible property and bank funds.
- Monitor for Assets
Continue monitoring for new assets over the 20-year judgment life.
🔍 Skip Tracing in New Hampshire
🏙️ New Hampshire Coverage
- Manchester – State’s largest city
- Nashua – Southern NH, Boston suburb
- Concord – State capital
- Portsmouth – Seacoast area
- Salem/Derry – Boston metro area
🎯 New Hampshire Debtor Hiding Assets?
20+ years helping creditors locate judgment debtors and assets throughout New Hampshire.
Start Your Search →🛡️ Debtor Protections
- No consumer wage garnishment – Strongest protection in nation
- Homestead exemption – $120,000 for primary residence
- Exempt income – Social Security, SSI, veterans benefits
📍 Our New Hampshire Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your New Hampshire Judgment?
Get Started Today →❓ FAQs
No – New Hampshire does NOT allow wage garnishment for consumer debts. You must use alternative methods like bank levies and property liens.
20 years, giving you substantial time to pursue collection through alternative methods.
