Garnishment in Texas: What Judgment Creditors Need to Know
Texas limits garnishment more than most states, but bank account garnishment remains a powerful tool for judgment creditors. Here is how it works.
Texas has some of the strongest debtor protections in the country, and garnishment rules reflect that.
Wage garnishment in Texas is very limited
Unlike most states, Texas does not permit wage garnishment to collect a general civil judgment. Exceptions exist for child support, spousal maintenance, student loans, and certain tax obligations.
Bank account garnishment is available
Texas does allow garnishment of bank accounts to collect a civil judgment. To pursue bank garnishment, the creditor must obtain a final judgment, file an application for writ of garnishment, identify the financial institution, and serve the writ on the bank before the debtor can move the funds.
Exemptions that may protect funds
Even in a bank account, some funds may be protected: wages deposited within the past 60 days, Social Security and federal benefit payments, and certain retirement account distributions.
Talk with Lone Star Lawyers
If you have a Texas judgment and want to understand whether garnishment is a viable option, Lone Star Lawyers can review the facts of your case. Contact us to schedule a free consultation.
This article provides general information and is not legal advice.
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Written by
Howard M. Kahn
Content creator and writer sharing insights and stories.
