Hi Everyone,

ScottGem answered my question, and I thank him again, but... The ONLY money that was in my bank account when they garnished it was from an automatic deposit of wages. It states exactly where the money came from. I apologize, but I can't wrap my head around the fact that if they can only garnish up to 25% of wages, why does it make them able to take ALL wages just because it's in my bank account?

Thank You

Because once the money is in your account its an asset of yours and no longer your salary. I'm sorry you are having trouble grasping this. But wages are what is paid by your employer. As soon as its been transferred to you its no longer wages. The limit on how much of your wages can be garnished is restricted to what is paid from your company to you.

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Originally Posted by ithica1953

Hi Everyone,

ScottGem answered my question, and I thank him again, but ..... The ONLY money that was in my bank account when they garnished it was from an automatic deposit of wages. It states exactly where the money came from. I apologize, but I can't wrap my head around the fact that if they can only garnish up to 25% of wages, why does it make them able to take ALL wages just because it's in my bank account?

Thank You

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Once a wage is deposited in a bank account it becomes a debt that the bank owes to you. Wages are subject to a 75% exemption in your state. 100% of a debt can be attached. The remedy is to be paid by cheque and not have the funds deposited into an account your creditors know about OR have the funds deposited into an account that does not have your name on it like your wife's account.

Yes, once the money is in the bank, it is no longer your salary but your savings and other disposable income. And they don't look or care where it comes from.