South Carolina Wage Garnishment Calculator
South Carolina does not allow wage garnishment to collect ordinary judgments, and its Consumer Protection Code bars it for consumer credit debts regardless of where the loan was made.
Two separate statutes
The judge may order any property of the judgment debtor … to be applied toward the satisfaction of the judgment, except that the earnings of the debtor for his personal services cannot be so applied.
Collections that still apply
- S.C. Code § 37-5-104: for a consumer credit sale, lease, loan or rental-purchase agreement, "regardless of where made, the creditor may not attach unpaid earnings of the debtor by garnishment".§1
- Federal collections still apply in South Carolina: child support withholding, federal student-loan wage garnishment and IRS levies.§2
- Once wages are paid into a bank account, other exemption rules govern; this calculator covers wages in the employer’s hands.§1
An out-of-state lender
An online lender based elsewhere that wins a judgment against a Columbia borrower still cannot garnish the borrower’s wages: the Consumer Protection Code’s bar applies to consumer loans “regardless of where made,” and the general judgment statute keeps personal-service earnings out of reach as well.