Garnishment Calc
Protects more than federal law Verified

Vermont Wage Garnishment Calculator

For consumer-credit debts Vermont exempts the greater of 85% of disposable earnings or 40 times the federal minimum ($290 a week); other judgments use 75% / 30 times.

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No order after recent state assistance

  1. No order can issue against you if you received assistance from the Department for Children and Families or the Department of Vermont Health Access in the two months before the hearing.§1
  2. The court can exempt more if your reasonable weekly expenses for yourself and dependents exceed the standard exemption.§1
  3. Any waiver of these exemptions is void, and the order must state that your employer may not fire you because of it.§1

Eighty-five percent for consumer credit

if the judgment debt arose from a consumer credit transaction … 85 percent of the debtor’s weekly disposable earnings, or 40 times the federal minimum hourly wage, whichever is greater
12 V.S.A. § 3170§1

A Burlington check, two kinds of debt

A Burlington worker grossing $760.00 a week with $110.00 withheld can lose $97.50 on a credit-card judgment (15%), but $162.50 on a judgment that did not arise from consumer credit, where Vermont’s exemption is only 75%.

  1. 12 V.S.A. § 3170 (As amended 2009)
  2. 15 U.S.C. § 1673