State Debt Laws
Wyoming Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Wyoming
Wyoming (WY) - At a Glance
| State Consumer Protection Law | Wyoming Consumer Protection Act |
| Source | Wyo. Stat. ยง 40-12-101 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 | $20,000 |
Key Protections in Wyoming
- FDCPA applies to third-party collectors
- Consumer Protection Act covers deceptive practices
- Homestead exemption: $20,000
Wage Garnishment in Wyoming
After a court judgment, creditors in Wyoming can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Wyoming 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 Wyoming
If a debt collector violates the FDCPA or Wyoming Consumer Protection Act:
- File with the Wyoming Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)