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Texas Consumer Protections
Texas Wage Garnishment & Bank Levy Protections
Texas maintains the nation's strictest wage garnishment protections. Current wages for personal service are NEVER subject to garnishment for consumer debts. Wages deposited into a bank account remain protected if they can be traced back to personal earnings.
Protect your income — FreeLegal authority
Texas Constitution Article XVI, § 28; Texas Property Code Ann. § 42.001(b)(1)
Protection for money in your bank account
Wages deposited into an account remain protected if traceable to personal earnings, even if commingled, provided they have not been converted into permanent investments.
How exempt earnings are traced
Texas courts apply the Lowest Intermediate Balance Rule (LIBR) to trace exempt wages in commingled accounts.
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