Opinion ID: 74420
Heading Depth: 4
Heading Rank: 1

Heading: Maximum allowable garnishment

Text: Except as provided in subsection (b) of this section and in section 1675 of this title, the maximum part of the aggregate disposable earnings of an individual for any workweek which is subjected to garnishment may not exceed (1) 25 per centum of his disposable earnings for that week, or (2) the amount by which his disposable earnings for that week exceed thirty times the Federal minimum hourly wage . . . whichever is less . . .. 13 capable of co-existence . . . it is the duty of courts, absent a clearly expressed congressional intention to the contrary, to regard each as effective.’” (citation omitted)) . Under Education’s interpretation, § 1095a operates to improve the efficiency with which defaulted student loans are collected, while the CCPA protects debtors from the hardships resulting from the potential limitless multiple garnishments. See id. Because § 1095a and the CCPA are capable of co-existence and are not in conflict, we conclude that the district court’s finding that § 1095a specifically limited the garnishment of student loans to 10% and superceded the CCPA’s existing general limitation on multiple garnishments of consumer debtors was incorrect. See Radzanower v. Touche Ross & Co., 426 U.S. 148, 153-54, 96 S. Ct. 1989, 1992-93, 48 L. Ed. 2d 540 (1976) (holding that a general statute is superseded by a more recent specific statute only if the two statutes are in conflict).