How much of my wages can be garnished in Arizona?

Arizona now has some of the strongest wage protections in the country. Under A.R.S. § 33-1131 as amended by Proposition 209, the garnishable portion of your paycheck is the LESSER of 10% of your disposable earnings or the amount by which your disposable earnings exceed 60 times the highest applicable minimum wage. Courts can reduce that to 5% if garnishment would cause extreme hardship.

For many working Arizonans this means a judgment creditor can take far less than the old 25% federal standard — and lower earners may be entirely protected.

If you are already being garnished, filing bankruptcy stops the garnishment immediately through the automatic stay, and in many cases wipes out the underlying judgment debt entirely.