Wage Garnishment in Arizona
How much of your paycheck can be garnished in Arizona and how to claim an exemption.
Short answer: For ordinary consumer debts, no more than the lesser of 10% of weekly disposable earnings or the amount by which weekly disposable earnings exceed 60 times the highest applicable federal, state or local minimum hourly wage. A.R.S. § 33-1131(B)-(D); Arizona Judicial Branch, Proposition 209 Information Sheet
| Wage garnishment limit | For ordinary consumer debts, no more than the lesser of 10% of weekly disposable earnings or the amount by which weekly disposable earnings exceed 60 times the highest applicable federal, state or local minimum hourly wage. This is stricter than the federal limit. The court may reduce the amount further on clear and convincing evidence of extreme economic hardship. Support orders and tax debts follow different rules. Information sheet: https://www.azcourts.gov/selfservicecenter/Garnishment/Proposition-209. The 10%/60x rule took effect December 5, 2022 (Proposition 209). Re-verified 2026-10-27. |
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| Claiming an exemption | A debtor who claims an exemption from a garnishment files a written objection and request for hearing with the court, generally within 10 days after receiving the garnishee's answer (or, for wages, the nonexempt earnings statement), and delivers copies to all parties. For bank accounts and other non-wage garnishments, the hearing must start within 5 days after the request (not counting weekends and holidays) and be held no later than 10 days after the request unless the debtor asks for a continuance; for wage garnishments, the hearing must be held no later than 15 days after the court receives the request. Wage garnishment section: https://www.azleg.gov/ars/12/01598-07.htm. Court forms: https://www.azcourts.gov/selfservicecenter/Garnishment/Forms Re-verified and corrected 2026-10-27. Source: A.R.S. §§ 12-1580, 12-1598.07 |
Where to get help in Arizona
- Arizona Attorney General, Consumer Protection (collection agency licensing: Arizona Department of Insurance and Financial Institutions)
- File a complaint or claim
More Arizona debt & collections
- Statute of Limitations on Debt in Arizona
- How to Respond to a Debt Collection Lawsuit in Arizona
- What Creditors Can't Take in Arizona
- Medical Debt Protections in Arizona
- All Arizona debt & collections rules
FAQ
How much of my wages can be garnished in Arizona?
For ordinary consumer debts, no more than the lesser of 10% of weekly disposable earnings or the amount by which weekly disposable earnings exceed 60 times the highest applicable federal, state or local minimum hourly wage. This is stricter than the federal limit. The court may reduce the amount further on clear and convincing evidence of extreme economic hardship. Support orders and tax debts follow different rules.
How do I stop a garnishment or claim an exemption in Arizona?
A debtor who claims an exemption from a garnishment files a written objection and request for hearing with the court, generally within 10 days after receiving the garnishee's answer (or, for wages, the nonexempt earnings statement), and delivers copies to all parties. For bank accounts and other non-wage garnishments, the hearing must start within 5 days after the request (not counting weekends and holidays) and be held no later than 10 days after the request unless the debtor asks for a continuance; for wage garnishments, the hearing must be held no later than 15 days after the court receives the request.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.