15.10.2025 15:26
The Ministry of Justice is preparing for a fundamental change in the Enforcement and Bankruptcy Law regarding salary garnishment. According to the new draft, the 25% deduction system will be abolished, and a income-based and progressive salary garnishment will be implemented. Low-income workers will face lower deductions, while high-income workers will encounter higher deductions. The garnishment rates will range from 10% to 60%, and pensions will not be subject to garnishment.
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The Ministry of Justice is preparing for an important change in the Enforcement and Bankruptcy Law. With the new draft, an income-based and tiered system will be implemented for wage garnishment.
WAGE GARNISHMENT BASED ON INCOME LEVEL
The practice of "garnishing a quarter of the salary" is becoming a thing of the past. According to a report by NTV; in the new regulation prepared by the Ministry of Justice, the rates of wage garnishment will no longer be determined equally for everyone, but based on income levels. Thus, low-income workers will face less deduction, while high-income workers will face proportionally higher deductions.
NO MORE THAN 60% CAN BE GARNISHED
The draft regulation will tier the garnishment rates between 10% and 60%. Thus, the deductions from employees' salaries will increase according to income levels, but in no case can more than 60% of the salary be garnished.
UP TO 2,210 TL CAN BE DEDUCTED FROM MINIMUM WAGE EARNERS
With the draft, example calculations have also become clear.
A minimum wage worker (22,104 TL) can have a maximum of 2,210 TL deducted from their salary.
A worker with an income of 44,208 TL (twice the minimum wage) can have 8,841 TL of their salary garnished,
while a worker with an income of 66,312 TL (three times the minimum wage) can have 19,893 TL garnished.
NO GARNISHMENT ON RETIREMENT PENSIONS
Another important item in the draft concerns retirees. Retirement pensions granted by the Social Security Institution (SGK) cannot be garnished. This way, retirement salaries will be protected within the scope of debt collection.
THE GOAL OF THE NEW SYSTEM: JUSTICE AND SOCIAL BALANCE
Sources from the Ministry of Justice state that the main purpose of the regulation is to ensure income justice. Officials emphasize that in the fixed-rate garnishment system, low-income citizens have been victimized, and with the new tiered model, both the living standards of the debtor will be protected and the creditor's rights will be delivered fairly.
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