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Navigating Wisconsin Wage Garnishment Exemptions: Protecting Your Income

Posted by Nathan DeLadurantey | Jan 15, 2024

Wage garnishment can be a daunting prospect for individuals facing financial challenges, but residents of Wisconsin are fortunate to have specific exemptions in place to protect their hard-earned income from a wage garnishment related to a court judgment. Understanding these exemptions is crucial for maintaining financial stability and ensuring that essential needs are met. In this blog post, we'll explore the Wisconsin wage garnishment exemptions and provide valuable insights into how you can safeguard your income.

Understanding Wage Garnishment: Wage garnishment occurs when a court order mandates that a portion of an individual's earnings be withheld by their employer to satisfy a debt. Common scenarios leading to wage garnishment on outstanding judgments.

Wisconsin has implemented certain exemptions to protect workers from excessive financial hardship. These exemptions play a vital role in ensuring that individuals can maintain a basic standard of living even in the face of financial difficulties. Here are some key exemptions under Wisconsin law:

  1. Head of Household Exemption:

    • Wisconsin law provides a head of household exemption, allowing individuals who provide more than half the support for a dependent to protect a certain portion of their income from garnishment.
  2. Minimum Wage Exemption:

    • The federal government has established a minimum wage, and Wisconsin adheres to these guidelines. A certain percentage of income or a specific amount, whichever is greater, is typically exempt from garnishment to ensure that individuals can cover essential living expenses. This is generally weekly wages of $577. 
  3. Public Assistance Exemption:

    • Income derived from public assistance programs, such as Social Security, unemployment benefits, and disability payments, is often exempt from wage garnishment.
  4. Retirement and Pension Exemption:

    • Pensions, retirement accounts, and other forms of retirement income are frequently protected from garnishment, ensuring that individuals can maintain financial security in their later years.
  5. Child Support and Alimony Payments:

    • While wage garnishment may be initiated to collect unpaid child support or alimony, these payments are not considered part of an individual's disposable income, and thus, they are not subject to further garnishment.

Taking Action to Protect Your Income: If you find yourself facing the possibility of wage garnishment, it's crucial to take proactive steps to understand and leverage the available exemptions. Filing for relief under Chapter 128 is often the best approach. Consulting with a financial advisor or legal professional can provide personalized guidance based on your unique situation. Additionally, maintaining open communication with creditors and exploring alternative repayment plans may help prevent the need for wage garnishment altogether.


Navigating the landscape of wage garnishment can be challenging, but Wisconsin's thoughtful exemptions provide a level of protection for individuals facing financial difficulties. By staying informed about these exemptions and seeking professional advice when needed, you can take control of your financial future and work towards achieving stability and peace of mind. Remember, knowledge is power, and understanding your rights is the first step towards safeguarding your income in the face of financial adversity.

Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online. 

About the Author

Nathan DeLadurantey

Nathan DeLadurantey ATTORNEY [email protected] Nathan is a skilled consumer lawyer who handles cases and trials all over Wisconsin. Phone consultations are always free and welcomed. Nathan has helped clients receive large jury verdicts and settlements stemming from consumer law violations, and is ready and able to assist.


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