State Debt Laws
Nebraska Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Nebraska
Nebraska (NE) - At a Glance
| State Consumer Protection Law | Nebraska Consumer Protection Act |
| Source | Neb. Rev. Stat. ยง 59-1601 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $1,500 in bank |
| Homestead Exemption | $60,000 |
Key Protections in Nebraska
- FDCPA applies to third-party collectors
- Consumer Protection Act bars unfair practices
- Homestead exemption: $60,000
Wage Garnishment in Nebraska
After a court judgment, creditors in Nebraska can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Nebraska follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in Nebraska
If a debt collector violates the FDCPA or Nebraska Consumer Protection Act:
- File with the Nebraska Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)