New Jersey law limits wage garnishment to 10% of your gross wages if your income is below 250% of the federal poverty level, or up to 25% of your disposable earnings if you earn more. The first $217.50 of your weekly net pay (equivalent to 30 times the federal minimum wage) is entirely exempt from garnishment. Additionally, under the Louisa Carman Medical Debt Relief Act, wage garnishment is strictly prohibited for medical debt if the patient’s household income falls below 600% of the federal poverty level