Does Florida allow wage garnishment for credit card debt?

Yes, Florida law does allow creditors to garnish your wages. However, a creditors’ right to garnishment, and the amount they’re entitled to garnish, hinges on whether you qualify as a “head of family” under Florida statute 222.11.

Is Florida a debtor friendly state?

Florida is often referred to as a “debtor-friendly” state as it offers a number of laws that residents can use to obtain protection against creditor claims.

Can a social security check be garnished in Florida?

Social Security: in all states, under federal law, Social Security is largely (though not entirely) exempt from garnishment: it can usually only be garnished for child support, alimony, and federal taxes. Florida goes further than the federal requirements, and makes Social Security entirely exempt from garnishment.

Can a creditor garnish a private pension bill?

A creditor can have a valid debt that never appears on any credit report. Therefore, it is of no legal consequence that a debt fails to appear on a credit report. Generally, government-administered benefits such as state pensions and Social Security cannot be garnished by a judgment. Private pensions enjoy similar status in most states.

Can a judgment debtor garnish a bank account in Florida?

Under Florida law, a creditor can repeatedly levy, or garnish, a bank during the life of the Florida judgment. While the creditor cannot harass a judgment debtor, repeated levies or garnishments of bank accounts, alone, do not constitute harassment, especially if the funds in the bank account are generally not exempt.

How can I avoid a wage garnishment in Florida?

This exemption isn’t automatic; you must claim it by filing an affidavit with the court when you’re notified that the creditor intends to request a wage garnishment. If you owe child support, student loans, or taxes, the government or creditor can garnish your wages without getting a court judgment.