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Home/Attorneys/Gausnell, O'Keefe & Thomas
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1717 Park Avenue, Saint Louis, MO, 63104

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+13142579800
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1717 Park Avenue
Saint Louis, MO 63104
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Wage Garnishment Defense in Missouri
Missouri wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Missouri consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Missouri 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 — IDR, PSLF, forgiveness — also relevant.

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