Garnishment Calc
State text pending re-check Verified

Mississippi Wage Garnishment Calculator

Mississippi gives residents a 30-day grace period: nothing can be taken from wages for 30 days after a writ is served. After that, the limit we apply is the federal one, because we could read only the opening of the statute’s percentage clause.

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The 30-day grace period

The wages, salaries or other compensation of laborers or employees, residents of this state, shall be exempt from seizure under attachment, execution or garnishment for a period of thirty (30) days from the date of service of any writ of attachment, execution or garnishment.
Miss. Code Ann. § 85-3-4§1

What we could and could not verify

  1. The 30-day exemption runs from the date the writ of attachment, execution or garnishment is served, and it protects residents of Mississippi.§1
  2. After the 30 days, § 85-3-4(2) limits the levy using “disposable earnings” as defined in 15 U.S.C. § 1672(b) — the same base federal law uses. The rest of that clause was not readable in the official database on our last check, so the calculator shows the federal ceiling, which applies in every state. NCLC’s 2025 survey reports Mississippi protects no more than the federal minimum.§1
  3. Mississippi has no state minimum-wage law, so pay and the garnishment floor both use the federal $7.25 (U.S. Department of Labor state table).§3

After the first month

For the first 30 days after the writ is served, a Jackson resident’s wages cannot be taken at all. From then on, a $600.00 weekly check with $70.00 withheld can lose $132.50 under the federal ceiling we apply until the rest of § 85-3-4(2) is re-verified.

  1. Miss. Code Ann. § 85-3-4 (As published 2026 (subsection (1) and opening of (2) read))
  2. No Fresh Start 2025: Will States Let Debt Collectors Push Families Into Poverty? (cross-check only)
  3. State Minimum Wage Laws
  4. 15 U.S.C. § 1673