How long does a wage garnishment from a creditor stay effective?
State of ND.
Once a garnishment is in place, it will stay in effect until the debt is paid off, however long that may take. It might be affected, however, by changes in the debtor's income or wages. For example, the debtor can always keep an amount each week equal to 40 times the federal minimum wage (so the equivalent of working full time, 40 hours, at minimum). If a debtor's income falls close to that amount, the amount garnished will decrease; if the debtor's income declines to less than it, nothing can be garnished--at least while the income is at that level. Overall, only up to 25 percent maxium of a debtor's income may be garnished.