> Another rule is that they cannot take more than the excess of your earnings over 30 times the federal minimum hourly wage (currently $7.25 per hour). That means $217.50 per week (30 X $7.25) is safe from any garnishment at all.

307.2552 = $11,310

You are largely immune to garnishment on a $12k/year UBI (for instance) under existing law. Bankruptcy would likely remove any garnishment if you only had UBI. I'm not a lawyer but the impression I have is pretty much under $20k, very little garnishment will occur due to:

A) Costs of recovery

B) The bankruptcy process favors the poor person declaring bankruptcy in terms of who walks away with "more".

I highly suspect the current floor on how much of your wages can be garnished would be kept equal to UBI and no one extends substantial credit to people on UBI for that reason.