BlackLGRecovery Intelligence

Judgment Intelligence Academy™

Underwrite the judgment before you enforce it.

An executive learning platform and intelligence system for evaluating, underwriting, and assessing judgments for recovery potential. Built for operators who want to think like a judgment underwriter before they spend a dollar on enforcement. Educational only — not legal advice.

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Intermediate · Lesson 5 · 6 min

Wage Garnishments

Capturing a percentage of debtor wages directly from the employer.

Overview

Wage garnishment is one of the most predictable enforcement tools when the debtor has stable W-2 employment.

Caps, exemptions, and procedural requirements vary widely by state.

Some states sharply limit or prohibit garnishment of wages.

Key Concepts

  • • Federal exemption floor vs. state caps
  • • Employer service requirements
  • • Priority among multiple garnishments
  • • Handling employer non-compliance

Examples

Multi-state nuance

A judgment originating in one state may need domestication before wage garnishment can issue in another. Skipping that step produces a defective writ.

Common Mistakes

  • • Garnishing without confirming the current employer.
  • • Ignoring state-specific exemption claim deadlines.
  • • Failing to renew expired writs.

Recommended Resources

  • • State Wage Garnishment Reference

Educational only. Not legal advice. Judgment enforcement varies by state — consult licensed counsel.

This information is educational and not legal advice. Judgment enforcement is highly state-specific. Consult licensed counsel in the relevant jurisdiction before acting on any material presented here.