Wage Garnishment in Oklahoma
How much of your paycheck can be garnished in Oklahoma and how to claim an exemption.
Short answer: 75% of earnings for personal services earned during the last 90 days is exempt, so at most 25% can be garnished for ordinary debts (the federal 30-times-minimum-wage floor also applies). 31 O.S. 1(A)(18); 31 O.S. 1.1; 12 O.S. 1171.1
| Wage garnishment limit | 75% of earnings for personal services earned during the last 90 days is exempt, so at most 25% can be garnished for ordinary debts (the federal 30-times-minimum-wage floor also applies). A debtor who supports a family or other dependents may ask the court for a hearing to exempt more of their earnings because of undue hardship. |
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| Claiming an exemption | In a post-judgment garnishment, the court clerk attaches a notice (on a form prescribed by the Oklahoma Bar Association) explaining possible exemptions. File the claim for exemption and request for hearing with the court clerk within 5 days after receiving the notice; later claims must be made by motion. A debtor supporting dependents may also apply for a hardship hearing on wages. The statute says the Administrative Office of the Courts posts the notice and claim forms on OSCN. Source: 12 O.S. 1174(C)-(D); 31 O.S. 1.1 |
Where to get help in Oklahoma
More Oklahoma debt & collections
- Statute of Limitations on Debt in Oklahoma
- How to Respond to a Debt Collection Lawsuit in Oklahoma
- What Creditors Can't Take in Oklahoma
- Medical Debt Protections in Oklahoma
- All Oklahoma debt & collections rules
FAQ
How much of my wages can be garnished in Oklahoma?
75% of earnings for personal services earned during the last 90 days is exempt, so at most 25% can be garnished for ordinary debts (the federal 30-times-minimum-wage floor also applies). A debtor who supports a family or other dependents may ask the court for a hearing to exempt more of their earnings because of undue hardship.
How do I stop a garnishment or claim an exemption in Oklahoma?
In a post-judgment garnishment, the court clerk attaches a notice (on a form prescribed by the Oklahoma Bar Association) explaining possible exemptions. File the claim for exemption and request for hearing with the court clerk within 5 days after receiving the notice; later claims must be made by motion. A debtor supporting dependents may also apply for a hardship hearing on wages.
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.