Debt Collection Rights Wisconsin

Summary

Debt collectors in Wisconsin cannot garnish wages without a court order. They must sue and win the case, providing proof of the debt. Garnishment is limited to 25% of disposable earnings or the amount exceeding 30 times the federal hourly minimum wage, whichever is lesser.

Full Conversation

I have a debt collector stating they can contact my employer and have the entirety of my pay sent to them with out even taking me to court to have it garnished.
Hello ****, it's important to know your rights. Could you please let me know which state you reside in? Laws regarding debt collection can vary greatly from state to state.
Wisconsin
Hello ****, in Wisconsin:
- Debt collectors cannot garnish your wages without a court order.
- They must first sue you and win the case.
- They must provide proof of the debt.
- They can only garnish up to *% of your disposable earnings or the amount by which your weekly income exceeds * times the federal hourly minimum wage, whichever is lesser.
Thank you!
You're welcome, ****! If you have any more questions or need further assistance, feel free to ask. It's important to stay informed about your rights.