<prompt> Human: I got a job and I owe state back taxes which Im sure the state will want to garnish my wages. My health insurance and 401k contribution are taken out pre-tax.Two questions: Will the state garnish a percentage of my gross earnings or earnings after insurance are taken out? Any idea on what percentage they will garnish my wages?Thanks for any help.  <response>: Contact your state tax commission and set up a payment plan before they garnish your wages. Garnishment is pretty bad on your credit score, making volunteer payments is a much better option. 