Disposable earnings are basically all earnings that are not legally required to be withheld by one's employer.

Thank you John Smith for answering, I cannot find anywhere where it says not legally required to be withheld by "one's employer". That's where I am having the problem. I have looked at the entire statute from beginning to end regarding garnishment and cannot find any reference to employers. If this is the case, why would someone who's volunteering to pay child support and getting garnished on a credit card payment even continue to pay child support? Why not let it get behind and have social services garnish him? He'd be ahead right?