{"uid":"cap_bW-DMQRgX-BgZjugnAF1e","slug":"debtpulse-wage-garnishment-exemptions-protected-income-calculator-80afaf10","name":"DebtPulse Wage Garnishment Exemptions & Protected-Income Calculator","description":"Wage garnishment exemptions and protected-income calculator. Returns garnishment exemptions by state and country, how much income is protected, and how to object. For consumer-rights and debt-relief agents.","url":"https://debtpulse.theaslangroupllc.com/api/debt/garnishment?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"invalid request"},"description":"Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}},"example":{"state":"TX","debt_type":"credit-card","sol_years":4,"clock_starts":"date of last payment or charge","credit_report_years":7,"zombie_debt_warning":"Any payment resets the clock"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.08","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":{"p10Cents":"8.0000","medianCents":"8.0000","p90Cents":"8.0000","minCents":"8.0000","maxCents":"8.0000","p95Cents":"8.0000","sampleCount":1,"varies":false,"failureChargeRate":null},"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.08/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_66v7JVWXixjWhUcO5sDMs","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.08","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns wage garnishment exemption rules, protected income thresholds, and objection procedures by US state or country for consumer debt situations.","exampleAgentPrompt":"I just got a wage garnishment notice in Texas — can you look up how much of my income is protected under Texas exemption rules and tell me how to file an objection?","exampleUseCases":[{"title":"Verify protected income for debt negotiations","prompt":"I'm behind on credit card payments and a collector just called threatening garnishment. Can you tell me what percentage of my paycheck would actually be protected from garnishment here in Florida, so I know what I can realistically offer to settle?"},{"title":"Calculate household exemptions after job loss","prompt":"My spouse lost their job and we're struggling to pay old medical debt. We have two kids — does our family qualify for a head-of-household exemption that would protect more of our remaining income from garnishment in New York?"},{"title":"Guide objection filing for incorrect orders","prompt":"I just received a wage garnishment order for a debt I already paid off three years ago. Walk me through the steps to formally object to this garnishment in my state and what documents I need to submit to get it dismissed."}],"resultDescription":"Returns garnishment exemption thresholds and protected income amounts for the specified state or country, the percentage or dollar amount a creditor legally cannot touch, available exemption categories (head of household, disability, etc.), and step-by-step instructions on how to formally object to or contest the garnishment order.","failureModes":["Unsupported jurisdiction — state or country not covered returns 404 or empty result","Missing required parameters (state/country) returns 400 Bad Request","Ambiguous or misspelled jurisdiction returns an error or closest match","Payment failure or invalid USDC authorization returns 402 Payment Required","Service downtime returns 503"],"whenToPreferThis":"Use this endpoint when a consumer-rights or debt-relief agent needs authoritative, jurisdiction-specific wage garnishment exemption data and objection guidance. Prefer this over generic legal databases when you need structured, machine-readable output specifically covering protected income thresholds and consumer objection procedures across US states and international jurisdictions.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-27T19:01:44.072Z","isFirstParty":false,"canonicalSlug":"debtpulse-wage-garnishment-exemptions-protected-income-calculator-80afaf10"}