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1923 Washington Avenue, Houston, TX, 77007

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+1-713-999-3519
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1923 Washington Avenue
Houston, TX 77007
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Past results do not guarantee future outcomes. Communications do not establish an attorney-client relationship.

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Wage Garnishment Defense in Texas
Texas wage garnishment is capped at federal limits (25% of disposable income or 30ร— minimum wage) โ€” and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Texas consumers facing debt-collection lawsuits have powerful defenses โ€” federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Texas student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options โ€” IDR, PSLF, forgiveness โ€” also relevant.

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