Wage Garnishment in Florida: What You Need to Know and How to Protect Your Income

Wage garnishment is a serious financial issue that many individuals in Florida face. If you're dealing with wage garnishment in Florida, it's important to understand your rights and how to take steps to protect your income. At Debt Relief Law Center, we specialize in offering skilled legal services to help you stop wage garnishments and regain control over your financial situation. If you're struggling with this situation, you're not alone — our experienced team is here to help.

What is Wage Garnishment in Florida?

Wage garnishment in Florida is a legal process where a portion of your earnings is withheld by your employer to pay off a debt. This can occur when a creditor or government agency obtains a court order to collect a debt from you. Common causes for wage garnishment include unpaid credit card bills, student loans, or tax debt. The amount garnished is typically a percentage of your wages and can leave you with significantly less income.

How Does Wage Garnishment in Florida Work?

In Florida, wage garnishment is usually governed by both state and federal law. The garnishment process typically starts when a creditor wins a lawsuit against you in court. Once the court issues a judgment, the creditor can seek a garnishment order, which requires your employer to withhold a portion of your paycheck.

In Florida, the amount that can be garnished is limited. For most consumer debts, creditors are restricted to garnishing up to 25% of your disposable income or the amount by which your weekly wages exceed the federal minimum wage (whichever is lower). However, certain debts, such as child support or tax debt, may have different garnishment rules.

How to Stop Wage Garnishment in Florida?

If you're facing wage garnishment in Florida, it's essential to take action quickly. There are several strategies that can help stop or reduce garnishment, including:

1.     Negotiating a Settlement: You may be able to negotiate with the creditor to settle the debt for a lower amount or create a payment plan that avoids garnishment.

2.     Filing for Bankruptcy: Filing for bankruptcy can stop most wage garnishments, although there are exceptions, such as child support and tax debts. A bankruptcy attorney can guide you through the process.

3.     Challenging the Garnishment: If you believe the garnishment is incorrect or unlawful, you may have the option to challenge it in court.

4.     Exemptions: Florida law provides certain exemptions for wages, including for individuals who are head of household or have dependents. An attorney can help you determine if you're eligible for an exemption.

Why Choose Debt Relief Law Center for Wage Garnishment in Florida?

At Debt Relief Law Center, we understand how stressful wage garnishment can be. Our experienced Florida wage garnishment attorneys work with you to explore all legal options available to stop the garnishment and protect your income. Whether it's negotiating with creditors, filing for bankruptcy, or challenging the garnishment in court, we are here to help.

We offer a free consultation to discuss your situation and explore the best course of action. Don’t let wage garnishment take control of your finances. Reach out to us today to get the help you need.

Contact Us Today

If you're dealing with wage garnishment in Florida, Debt Relief Law Center is ready to help. Our skilled attorneys will guide you through the process and work to protect your income. For more information, visit our website at Debt Relief Law Center.

• Email: njtlaw@gmail.com
• Call: 1-888-877-5103
• Text: 888-877-5103
• Address: N. James Turner, Attorney at Law
  3670 Maguire Boulevard, Suite 310
  Orlando, Florida 32803, USA