Wage Exemptions -- State System
Michigan Law Wage Garnishment Limits
Michigan only protects the federal minimum. 75% of wages or 30 times federal minimum wage.
Michigan scored an "F" in the the NCLC grading of state wage garnishment protections.
Federal Non-Bankruptcy Law
(available only if using State System)
Federal "non-bankruptcy" law also offers exemption protection for wages.
Wage Garnishment — Federal System § 522 (no exemption)
Yes. Michigan residents can use the Federal or State exemption systems.
Michigan has passed a special set of exemptions designed only to be used in bankruptcy cases (found in Section 600.5451). Although debtors can use the the exemptions in Michigan's "bankruptcy only" exemption statute, as well as ANY OTHER exemptions found in other Michigan statutes, such as exemptions for life insurance. (See In re Sasasak, 426 B.R. 680.)
The Federal Bankruptcy Exemptions under 11 U.S.C. § 522(d) are available to you if
- you haven't lived in any state longer than 180 days for a while,
- or
- if your state allows the Federal exemptions as a choice.
See also on LegalConsumer.com
From Elsewhere on the web:
- Wage Garnishment in Michigan (UpSolve.org): UpSolve features state specific articles on wage garnishment in each state.