Doug Masson over at Masson's Blog has a post titled Collection Law Math. Check it out if you are debtor being sued or an attorney who handles collection cases. Masson explains the point at which one's wages are garnishable and does it quite intelligibly. When I was doing consumer bankruptcy work, I had the hardest time explaining to some potential clients that they were judgment proof. Judgment proof meaning that they had no assets for attachment and insufficient wages for garnishment.