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Stop wage garnishment in Florida

If you're struggling with debt wage garnishment is the last thing you need. A creditor wins a court judgment against you and can legally start docking your paycheck, making your money troubles even worse.

If you want to get that garnishment off your check (or avoid one in the first place!), our skilled Florida bankruptcy lawyers can help. Call or text DebtStoppers today at 786-420-4545 to request a complimentary debt evaluation. Our team of experienced attorneys has helped thousands of people in Florida stop wage garnishment, foreclosures, and repossessions.

Florida Wage Garnishment Laws

Under Florida's wage garnishment laws, your creditors can take cash from your paycheck if you fall behind. A creditor can go to court and obtain an order that requires your employer to withhold a specific amount of your pay until the balance owed is fully paid. Neither you nor your employer will have a say in the matter.

In Florida, the Consumer Credit Protection Act limits how much of your wages a creditor can garnish. But when you already have rocky finances, any amount of lost wages can make it challenging to pay your day-to-day living expenses, let alone any other debts you owe. If you're struggling to settle your debts, it will be even more difficult to pay them when you're bringing home a smaller paycheck.

How To Stop Wage Garnishment in Florida?

If you want your creditors to quit garnishing your wages, filing for Chapter 7 or Chapter 13 bankruptcy in Florida will make them stop. As soon as you file your petition, the court will grant you an automatic stay that prohibits your creditors from pursuing any collection activities.

The stay bans your creditors from:

  • Garnishing wages
  • Filing lawsuits
  • Foreclosing on your house
  • Repossessing your car or other belongings

Since your creditors won't even be allowed to contact you, that also means those obnoxious phone calls from bill collectors will stop!

Does Bankruptcy Work?

Filing for bankruptcy not only temporarily stops wage garnishment with the automatic stay, but it also wipes out your debts completely, preventing future garnishments. While you may have heard that you have to give up everything you own if you file for bankruptcy, the truth is that DebtStoppers clients seldom lose any of their possessions.

While Chapter 7 allows a trustee to liquidate some of your assets to discharge your debt, this rarely happens. Many of your consumer debts will be eliminated entirely, and you'll get to keep most, if not all, of your belongings.

With Chapter 13, liquidation is never required. Instead of discharging your debts, you'll reduce them and restructure them into a 3-to-5-year repayment plan. As long as you stick to the payment schedule, you'll get to keep everything you own.

Bankruptcy can enable you to hold onto your possessions, remain in your house, and prevent deductions from your paychecks.

Our Lawyers Will Help You Stop Debt Collectors

If your creditors are threatening to begin garnishing your wages, or if they've already started to take money out of your paycheck, call or text DebtStoppers today at 786-420-4545 to schedule a free debt relief consultation. Our experienced Florida attorneys can help you determine the best way to keep your wages in your pocket.

Keep your hard-earned paycheck! Call or text DebtStoppers today at 786-420-4545 to claim your no-obligation bankruptcy consultation, and discover how we can stop wage garnishments and get your family's finances back on track!