From what you have written with respect to the laws of your state as to the 85% of your gross pay being exempt from garnsihment, such means that $190 of your pay is subject to garnishment on a bi-weekly period.If you have deductions from your bi-weekly pay, such deductions are still taken BUT do not apply as a credit to reduce the gross pay amount.As such, $190 would be up for grabs each pay period for a wage garnishment concerning a judgment against you.