How Many Garnishments Are Allowed at One Time in Missouri?
Garnishment is a legal process used to collect money from a person’s wages or bank accounts to satisfy a debt. In Missouri, the number of garnishments that can be issued at one time is a topic of interest for both debtors and creditors. Understanding the limits on garnishments can help individuals and businesses navigate the debt collection process effectively.
Limitations on Garnishments in Missouri
In Missouri, the state has specific laws that limit the number of garnishments that can be issued simultaneously. According to Missouri Revised Statutes Section 513.450, a judgment creditor can garnish up to 25% of an individual’s disposable earnings, but not more than the amount by which the individual’s disposable earnings exceed 30 times the federal minimum wage. This means that if an individual’s disposable earnings are below the 30 times the federal minimum wage, the entire amount can be garnished.
Multiple Garnishments and the Debt Collection Process
While the state allows for garnishment of up to 25% of an individual’s disposable earnings, it is important to note that multiple garnishments can be issued at the same time. For example, if an individual has two creditors with valid judgments, both creditors can seek garnishment orders, provided that the total garnishment does not exceed the 25% limit.
Exceptions to Garnishment Limits
There are certain exceptions to the garnishment limits in Missouri. For instance, garnishment for child support, alimony, and student loans does not count towards the 25% limit. Additionally, garnishment for certain tax debts, such as federal income tax, state income tax, and unemployment compensation, may not be subject to the 25% limit.
Impact on Debtors
The number of garnishments allowed in Missouri can have a significant impact on debtors. Multiple garnishments can lead to a substantial reduction in an individual’s income, making it difficult to meet their financial obligations. It is important for debtors to be aware of their rights and the potential consequences of garnishment.
Legal Advice and Resources
If you are facing garnishment or have questions about the number of garnishments allowed in Missouri, it is advisable to seek legal advice. An attorney can help you understand your rights and options, as well as guide you through the debt collection process. Additionally, the Missouri Department of Labor and Industrial Relations provides resources and information on garnishment laws and procedures.
In conclusion, Missouri allows for multiple garnishments at one time, with a limit of 25% of an individual’s disposable earnings. However, there are exceptions and limitations that may apply. Understanding these laws is crucial for both debtors and creditors to navigate the debt collection process effectively.
