Wage Garnishment Laws Iowa

Summary

In Iowa, wage garnishments can occur sequentially until debts are paid. The maximum garnishment is the lesser of 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage. Creditors can garnish wages without your signature if they obtain a court judgment. To file a motion to quash, draft the motion, file it at the court clerks office, serve it to the garnishing party, and attend the hearing. Consult a local attorney or credit counseling agency for personalized advice.

Full Conversation

It’s about wage garnishment laws in the state of Iowa
Hello Jacob! In Iowa, the maximum amount that can be garnished is the lesser of:
- *% of disposable earnings
- Amount by which disposable earnings are greater than * times the Federal minimum hourly wage.
Do you have a specific situation you need help understanding?
I have two wage garnishments on me I just paid one I was issued in January and was suppose to expire on *-* but did not they kept pulling from my checks until paid in full
Thank you for the details, Jacob. Did the garnishment order explicitly state that it would expire on *-*? Also, was the garnishment for a debt or tax-related?
Now I am being garnished for a different one and I am struggling to pay bills
You may want to consider consulting with an attorney. In Iowa, multiple wage garnishments can occur sequentially, not simultaneously. You may be able to file a motion to quash garnishment if the second garnishment is causing financial hardship.
Debt
Hello Jacob. In Iowa, having multiple wage garnishments can be tough. Seek advice from a local legal aid office or a nonprofit credit counseling agency. They may help you devise a plan or even negotiate with creditors.
Is it legal to garnish more than *,* a year ? I only make *,*
Hello Jacob. In Iowa, there's no specific annual limit for wage garnishment. The limit is based on each paycheck. As mentioned earlier, it's the lesser of:
- *% of your disposable earnings, or
- The amount by which your disposable earnings exceed * times the federal minimum wage.
Ok i did not sign anything
Hello Jacob. In Iowa, creditors can garnish wages even without your signature. They need to obtain a judgement from a court, which often doesn't require your signature. It's advisable to consult an attorney if you feel the garnishment is unjust.
So back to back wage garnishment is legal?
Hello Jacob. In Iowa, back-to-back wage garnishments are legal. Creditors can garnish one after the other until the debts are paid in full. You may want to consult with an attorney or a credit counseling agency for advice.
Oh wow how do I file a quash
To file a motion to quash in Iowa:
*. Draft the motion, stating your reasons (undue hardship, etc).
*. File it at the clerk's office of the court issuing the garnishment.
*. Serve the motion to the garnishing party.
*. Attend the hearing.
Please consider seeking help from a local attorney.