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If you've recently found out your wages or bank account are being garnished in the Sanford area, or are about to be garnished, you need to speak with a Sanford Garnishment Defense Lawyer. You have 20 days to respond and a lawyer may be able to stop the garnishment. Josh Adams defends more wage and bank account garnishments in state court than any other attorney in Florida. 

Florida law limits the amount that a creditor can take or seize or "garnish" from your wages to repay your debts. The Florida wage garnishment laws (also called wage attachments) generally follow the federal wage garnishment laws but some exemptions are available in Florida which might limit a creditors rights to garnish your wages. For the most part, creditors with judgments can only take up to 25% of your wages and only if your wages meet a minimum threshold. However, for a few types of debts, creditors can take more.

Read on to learn about wage garnishment law in Florida.

What Is a Wage Garnishment?

A wage garnishment or wage attachment is an order from a court or a government agency that is sent to your employer. It requires your employer to withhold money from your paycheck and send this money directly to your creditor.

Different garnishment rules apply to different types of debt -- and there are legal limits on how much of your paycheck can be garnished.

When Can a Creditor Garnish Your Wages in Florida?

Most creditors cannot get a wage garnishment order until they have first obtained a court judgment stating that you owe the creditor money. For example, if you are behind on credit card payments or owe a doctor’s bill, those creditors cannot garnish your wages unless they first sue you and get a judgment.

There are a few exceptions to this rule. Your wages can be garnished without a court judgment for:

  • unpaid income taxes

  • court ordered child support
  • child support arrears, and
  • defaulted student loans.

Limits on Wage Garnishment in Florida

There are limits to how much money can be garnished from your paycheck. The idea is that you should have enough left to pay for living expenses.

Exemption from Garnishment

If you provide at least 50% of support for a minor or other adult, a wage garnishment defense lawyer may be able to cancel your garnishment and have  any money withheld returned to you. 

Speak to a Sanford Garnishment Defense Lawyer to find out if you qualify for an exemption from garnishment. 
(321) 314-2828

2281 Lee Rd., Suite 102, Winter Park, FL 32789
(321) 314-2828         josh@joshadamslaw.com

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