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.	What income is protected by law?
A.	Some income is protected by law and considered exempt. This means that it cannot be garnished. This includes most government programs and retirement benefits. Specifically, Social Security, SSI, Unemployment, Worker's Compensations, State Disability, State Family Assistance, and TAN-F (Temporary Assistance for Needy Families) and Veteran's Administration checks cannot be garnished. Other pension funds, especially those paid to former state or federal employees, cannot be garnished. In addition, under federal law, a certain amount of a paycheck is protected. There is a formula to determine this amount. In simplest terms, the most that can be garnished is the lesser of 25% of the amount left after the deduction of state, federal and local taxes and retirement. OR Amount left after deduction of minimum wage per hour for 30 hours per week.