Personal property with an aggregate fair market value of $60,000 for a family and $30,000 for an individual is exempt from garnishment, attachment, execution or other seizure. Personal property includes hime furnishings, clothing, tools, equipment, motor vehicles, pets and farm animals on hand for consumption. However, this exemption does not prevent a secured creditor from seizing his collateral. Wages, alimony, separate maintenance, and progessionally prescribed health aids are not included in the aggregate limitations for personal property. A debtor can designate what personal property is exempt from seizure.
Wages are not not subect to garnishment in Texas, except for the enforcement of court ordered child support. Alimony, support and separate maintenance payments received may not be garnished. However, the IRS can garnish watges for back taxes and default on federally guaranteed student loans.
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