Wage Garnishment in Oregon
How much of your paycheck can be garnished in Oregon and how to claim an exemption.
Short answer: 75% of disposable earnings is exempt, and the debtor must be left with at least a minimum weekly amount: $400 per week (or $832 every two weeks, $912 semimonthly, $1,792 monthly) for wages payable from July 1, 2026 to before July 1, 2027. ORS 18.385(1)-(2)
| Wage garnishment limit | 75% of disposable earnings is exempt, and the debtor must be left with at least a minimum weekly amount: $400 per week (or $832 every two weeks, $912 semimonthly, $1,792 monthly) for wages payable from July 1, 2026 to before July 1, 2027. From July 1, 2027 the floor becomes 30 times the Oregon minimum wage per week (60, 65 and 130 times for other pay periods). The protected floor was raised in steps starting January 1, 2025 (from $254 per week before 2025, to $305, $338, and now $400). Source: ORS 18.385(1)-(2) |
|---|---|
| Claiming an exemption | Use the Challenge to Garnishment form (ORS 18.850): deliver the original to the court administrator named in the writ and a copy to the garnishor. Deadline: within 120 days after receiving the writ for an exemption on wages from the employer garnished, or within 30 days for any other challenge (for example, a bank account). Source: ORS 18.700 |
Where to get help in Oregon
- Oregon Department of Consumer and Business Services, Division of Financial Regulation (registers collection agencies)
- File a complaint or claim
More Oregon debt & collections
- Statute of Limitations on Debt in Oregon
- How to Respond to a Debt Collection Lawsuit in Oregon
- What Creditors Can't Take in Oregon
- Medical Debt Protections in Oregon
- All Oregon debt & collections rules
FAQ
How much of my wages can be garnished in Oregon?
75% of disposable earnings is exempt, and the debtor must be left with at least a minimum weekly amount: $400 per week (or $832 every two weeks, $912 semimonthly, $1,792 monthly) for wages payable from July 1, 2026 to before July 1, 2027. From July 1, 2027 the floor becomes 30 times the Oregon minimum wage per week (60, 65 and 130 times for other pay periods).
How do I stop a garnishment or claim an exemption in Oregon?
Use the Challenge to Garnishment form (ORS 18.850): deliver the original to the court administrator named in the writ and a copy to the garnishor. Deadline: within 120 days after receiving the writ for an exemption on wages from the employer garnished, or within 30 days for any other challenge (for example, a bank account).
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.