What percentage of earned wages is exempt from debt collectors when your checking account has been frozen?

“Disposable earnings” are what is left to you after your employer withholds money for federal and state income and payroll taxes. It does not include deductions for family insurance coverage, creditunion payments, or contributions to a pension plan or IRA, etc. Federal law limits how much of your disposable earnings can be garnished. In most cases, the maximum amount that may be garnished is the lesser of: 1) 25% of your “disposable earnings” or 2) the amount by which disposable earnings exceed 30 times the federal minimum hourly wage for each week covered in the pay period. If the debt is for child support, instead of 25% (i.e, a 75% "exemption"), the percentage may be as high as 65% (i.e., a 35% "exemption").