Texas, North Carolina, South Carolina, and Pennsylvania are said to be non-wage garnishment states, but don’t let this catch you off guard. There are other ways for wage garnishment to come knocking at your door. Always remember that there are exceptions to the rule and limitations, especially when court orders enter the picture.
A court order lawfully filed in a state that garnishes wages can be enforced to non-wage garnishment states. It’s common for people to make interstate business trips, so be careful of incurred debt when traveling to other places.
State laws won’t leave it just like that. The privilege of keeping your wages whole in non-wage garnishment states have limitations, aside from the fact that wage garnishment can still be done to pay for child support and unpaid taxes. Here are some limits on the extent of no-wage garnishment policies of some states:
- North Carolina – Normal wage garnishment is possible if the debtor has a sizeable amount of cash and doesn’t pay for the needs of any dependent.
- Texas – Non-wage sources like rental income and royalties can be garnished.
If you want a state that really means no wage garnishment for credit card debt or cash advances and loans, you’re looking for South Carolina. Section 37-5-104 of the state’s Code of Laws states that no garnishment can be made from consumer debt. To understand wage garnishments better, particularly those imposed by the IRS, it’s best to consult an experienced tax attorney.