Wage Exemptions -- State System
Iowa Law Wage Garnishment Limits
For debts arising from consumer contract, Iowa garnishment law protects 75% of wages or 40 times minimum wage; also places dollar cap on amount that can be garnished in a year.
Iowa scored an "D" in the the NCLC grading of state wage garnishment protections, because it preserves more of a worker’s wages than the minimum required by federal law.
Federal Non-Bankruptcy Law
(available only if using State System)
Federal "non-bankruptcy" law also offers exemption protection for wages.
Wage Garnishment — Federal System § 522 (no exemption)
No. Iowa Code § 627.10.
The Federal Bankruptcy Exemptions under 11 U.S.C. § 522(d) are available to you if
- you haven't lived in any state longer than 180 days for a while,
- or
- if your state allows the Federal exemptions as a choice.
See also on LegalConsumer.com
From Elsewhere on the web:
- Wage Garnishment in Iowa (UpSolve.org): UpSolve features state specific articles on wage garnishment in each state.