Can Debt Collectors Garnish Your Wages in Florida?

Understanding Wage Garnishment in Florida

Few things cause stress like learning your wages may be garnished. We often hear from Fort Myers residents who are worried about how they’ll cover basic expenses if part of their paycheck is taken.

Florida law provides important protections—but garnishment is still possible in certain situations.

When Can Wages Be Garnished?

In most cases, a creditor must first obtain a court judgment before garnishing wages. This means:

• You were sued for debt
• A judgment was entered by the court
  

Without a judgment, wage garnishment generally cannot occur for consumer debts.

Florida’s Head of Household Protection

Florida offers strong protections for individuals who qualify as a head of household. In many cases, head-of-household wages may be exempt from garnishment. However, exemptions must often be claimed properly and on time.

Exceptions to Garnishment Protections

Some debts—such as child support or certain taxes—follow different rules. Consumer debts like credit cards and medical bills are typically treated differently.

Understanding the type of debt involved is critical.

What to Do If You Receive a Garnishment Notice

If you receive notice of wage garnishment:

• Do not ignore it
• Review the judgment details
• Determine whether exemptions apply
  

Prompt action may help protect your income.

If you’re facing wage garnishment in Fort Myers or Southwest Florida, a consultation can help you understand your rights and available protections.