Wage Garnishment in Kansas

Kansas: Federal Baseline with Unchanged Protections

Kansas follows the federal baseline CCPA limits under Kan. Stat. Ann. § 60-2310, offering no additional state-level protections. Creditors can garnish up to 25% of disposable earnings or the amount above 30× the federal minimum wage ($217.50/week).

A Floor Frozen in Time

Kansas’s $7.25 minimum wage has not been raised since 2010, meaning the CCPA protected floor of $217.50/week has been unchanged for over 15 years. While the cost of goods and services has increased substantially, the protected earnings floor has not budged. For a worker earning the median Kansas wage, more of their income is now exposed to potential garnishment than was the case when the protections were first designed.

Plains States Comparison

Kansas sits in a region of predominantly federal-default states. Nebraska to the north provides a 15% HOH cap. Missouri to the east offers a 10% HOH cap. Oklahoma to the south follows the federal baseline with a $7.25 minimum wage. Colorado to the west provides a 20% cap and 40× multiplier — significantly stronger. Kansas workers are surrounded by states offering either identical or better protections, with Colorado providing the most meaningful alternative for workers near the western border.

The Reality for Kansas Workers

A Kansas worker earning $1,000/week in disposable earnings:

• Maximum garnishment: $250/week (25%)
• Amount protected: $750/week
• Annual loss at maximum: $13,000

The same worker in Colorado would see a maximum of $200/week (20% cap), keeping an additional $2,600/year. A Missouri HOH worker would see only $100/week garnished under the 10% cap. Kansas provides a $60,000 homestead exemption (unlimited acreage outside city limits), which offers asset protection but does nothing for wage garnishment.

What to Know

Kansas has not meaningfully updated its debtor protections in decades. Workers facing garnishment should understand that the state offers no shield beyond the CCPA floor, and should explore whether any of their income sources fall under federal or state-specific exemptions.

Statute: Kan. Stat. Ann. § 60-2310; 15 U.S.C. § 1673 — Official source

This calculator is for consumer debt garnishment only. Not legal advice. Rules vary by debt type (student loans, child support, taxes). Verify with official sources before making any financial or legal decisions.