Generally, there is no wage garnishment in Pennsylvania for most debts icluding credit cards, private loans, mortgage deficiencies, etc. The only exceptions to the garnishment rule are for domestic support obligations, some government and crime-elated-related debts (e.g.,taxes, fines, etc.), federal and federally backed student loans (not private student loans), and judgments for unpaid rent. If a debt collector threatens wage garnishment when it is not available, it is a violation of the federal Fair Debt Collection Practices Act and Pennsylvania law.

 Quick Note: If you work for an employer in another state, the creditor may be able to obtain a judgment in that state and garnish your wages there in some circumstances.

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