Wage Garnishment Laws in Oklahoma
Certain states permit creditors to obtain a writ of attachment that make a debtor's assets subject to seizure for collection of a debt. Oklahoma law expressly authorizes creditors to place a continuing lien on an individual's earnings only after the creditor has received a judgment. However, certain exemptions apply to the conditions under which wages may be garnished, as well as the amount that can be subject to such a lien.
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Exempt Wages
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Under Oklahoma law, 75 percent of an individual's wages are exempt from garnishment. If the debtor is already paying child support, this amount is subtracted out of their disposable earnings, permitting a creditor from garnishing no more than 25 percent of the debtor's disposable earnings.
Termination of Garnishment
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Oklahoma law provides that garnishment of a debtor's disposable earnings ends when the debt is repaid, the debtor's employment relationship is terminated or the judgment against the debtor is vacated, modified or otherwise satisfied.
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Payment of Debt at Creditor's Option
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A creditor who receives a judgment may opt for a wage attachment that lasts for only one of the debtor's pay periods. Alternately, the creditor may choose a continuing lien against the debtor for 180 days.
Garnishment for Previous Judgment
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If a debtor's wages are already being garnished as a result of a previous judgment, the previous debt must be paid before a creditor may garnish the debtor's wages.
Garnishment Without Judgment
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In Oklahoma, as in all states, an individual's wages can be garnished if they owe child support and/or spousal support, federal or ad valorem taxes or a federal student loan.
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