Wage Garnishment Attorney in Jacksonville
One possible highly adverse result of being behind on payments to a debt
collector is wage garnishment. Garnished wages can cause significant harm
to your finances and even have the potential to result in negative impacts
on your financial well-being. Wage garnishment involves having your take-home
pay reduced by as much as 25%, which is directly given to your creditors.
This process can make it very difficult to pay your monthly bills, which
can put you even further behind financially. Do not wait to speak with
Jacksonville attorney who can help you avoid wage garnishment. Whether you are facing desperate
financial times and / or are heading toward
bankruptcy, we can guide you through each process and help you obtain financial relief.
Florida Wage Garnishment Limitations
In regard to wage garnishment, the state of Florida has many limits on
the amount that a creditor can take out of your wages. Although Florida
follows the federal laws, for the most part, the state also has additional
exemptions. Typically, creditors who have judgments can take a maximum
of 25% of a debtor's wages.
The debtor will need to meet a minimum threshold in order to even have
a lower amount of their wages garnished. Before your creditor can have
your wages garnished, they must obtain a court judgment against you. That
rule holds true with the exception of debt owed for child support, student
loans, or taxes.
Wage Garnishment Defense
If your wages are being garnished, you have several defense options available.
You can file for bankruptcy under
Chapter 7, which can immediately cease this collection attempt. You will be protected
under the law because of the "automatic stay," which is issued
by the court. At the Albaugh Law Firm, we can fight for you to help you
take control of your financial situation. We can work to have the wage
garnishment removed so that you can take home your entire paycheck.
Contact us today if you need assistance resolving wage garnishment.