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Home/Attorneys/The Villafranca Law Offices
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The Villafranca Law Offices

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1719 Washington Street, Laredo, TX, 78040

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+1 9567299400
1719 Washington Street
Laredo, TX 78040
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Texas 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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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 — IDR, PSLF, forgiveness — also relevant.

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