Stopping wage garnishment in New Jersey

Wage garnishment in New Jersey can take 10% to 25% of a worker's disposable earnings depending on the type of debt. For consumer debts subject to a court judgment, federal law caps garnishment at 25% of disposable income or the amount over 30× the federal minimum wage, whichever is less.

Filing for Chapter 7 or Chapter 13 bankruptcy triggers the automatic stay under 11 U.S.C. § 362, which halts most wage garnishments immediately on petition. Exceptions include domestic-support obligations and certain tax debts.

Steps after filing

Notify the employer's payroll department of the bankruptcy case number
Provide the trustee's contact for verification
Verify the garnishment has been lifted in the next pay cycle

For current procedural specifics consult a licensed bankruptcy attorney. Aggregated case-disposition data and trustee filings are indexed at ModernIndex.