🍁 Vermont Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Vermont? Wage garnishment in the Green Mountain State follows federal guidelines with some state-specific procedures. Vermont allows wage attachment for judgment creditors. This guide covers everything you need to know as part of your Vermont judgment collection strategy.
⚖️ What Is Wage Garnishment in Vermont?
Wage garnishment (called “trustee process” in Vermont) allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Vermont Statutes Title 12, Chapter 113, 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 Vermont.
💡 Key Point: Vermont judgments last 8 years and can be renewed. Vermont uses the term “trustee process” for garnishment. Standard federal limits apply.
🏛️ Types of Wage Garnishment
- Consumer Debt (Trustee Process) – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – VT Dept of Taxes and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Vermont Wage Garnishment Limits
Vermont follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Vermont Exemption Table
| Debt Type | Maximum Garnishment | Notes |
|---|---|---|
| 📄 Consumer Debt | 25% or 30× min wage test | Trustee 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 Vermont?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Vermont
- Obtain a Money Judgment
Get a VT judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Vermont skip tracing finds employer information.
- File Trustee Process Writ
File writ with the court to begin trustee process.
- Serve the Employer (Trustee)
Serve writ on the employer as trustee.
- Employer Files Disclosure
Trustee must disclose employment and wage information.
- Court Issues Order
Garnishment continues until judgment satisfied.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in Vermont
🏙️ Vermont Coverage
- Burlington – State’s largest city
- South Burlington – Chittenden County
- Rutland – Central Vermont
- Montpelier – State capital
- Barre – Washington County
🎯 Vermont Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Vermont.
Start Your Search →🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can challenge trustee process
📍 Our Vermont Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Vermont Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
8 years, renewable before expiration.
Vermont’s term for wage garnishment. The employer acts as “trustee” of the debtor’s wages.
