🎸 Tennessee Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Tennessee? Wage garnishment in the Volunteer State follows federal guidelines. Tennessee has straightforward garnishment procedures for creditors. This guide covers everything you need to know as part of your Tennessee judgment collection strategy.
⚖️ What Is Wage Garnishment in Tennessee?
Wage garnishment in Tennessee allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Tennessee Code Annotated Title 26, 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 Tennessee.
💡 Key Point: Tennessee judgments last 10 years and can be renewed. Tennessee follows standard federal garnishment limits. No state income tax makes wage garnishment more effective.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – TN DOR and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Tennessee Wage Garnishment Limits
Tennessee follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Tennessee 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 | No state income tax |
🔍 Need to Find a Debtor’s Employer in Tennessee?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Tennessee
- Obtain a Money Judgment
Get a TN judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Tennessee skip tracing finds employer information.
- File Garnishment
File garnishment with the court that issued judgment.
- Serve the Employer
Serve garnishment on the employer.
- 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 Tennessee
🏙️ Tennessee Coverage
🎯 Tennessee Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Tennessee.
Start Your Search →🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can claim exemptions
📍 Our Tennessee Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Tennessee Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
10 years, renewable before expiration.
