Wage Garnishment And Tips

Summary

In Oregon, tips are considered disposable income and can be garnished for credit card debt. Maximum garnishment is 25% of disposable income or the amount exceeding 40 times the federal minimum wage, whichever is less. If you cant afford the garnishment, consider consulting a bankruptcy attorney. The Oregon State Bar Association can help you find a lawyer. Contact them at (503) 684-3763 or toll-free in Oregon at (800) 452-7636.

Full Conversation

I live and work in Oregon. I work hourly *-* hours per week. My wages are being garnished by a creditor. Is my tip charge considered disposable income?
What type of debt is the garnishment for? In Oregon, tips are generally considered disposable income and may be subject to garnishment.
Credit card
In Oregon, credit card debt is considered consumer debt. Garnishment rules include:

- Maximum garnishment: *% of disposable income or amount exceeding * times federal minimum wage, whichever is less.
- Tips are considered disposable income.
What can i do if i cant afford this?
You may consider consulting with a bankruptcy attorney. Bankruptcy can stop wage garnishments. Oregon State Bar Association can help you find a lawyer. Contact: (*) *-* or toll-free in Oregon at (*) *-*.
Thank you very much
You're welcome, ****! If you have any more questions or need further assistance, feel free to ask. Best of luck with your situation.