Florida’s wage garnishment laws mirror those of Federal Law. Federal garnishment law limits the amount a credit card issuer can take via garnishment to twenty-five (25%) of the debtor’s disposable income per week, or by an amount by which disposable earnings for that week (I.e., after mandatory deductions like taxes /net) exceeds thirty (30) times the federal minimum hourly wage, whichever is less. In Florida, if your disposable income is less than thirty (30) times the federal minimum wage, a credit card issuer cannot garnish at all. The Federal minimum wage at present is $7.25 an hour.
Seek advice from an attorney and explore different options for settlement, including a monthly repayment plan, coupled with other ways to resolve the underlying credit card debt.
A creditor may garnish your wages until the credit card debt is paid off, unless you take some action to stop the garnishment, such as claiming an exemption with the court.
State exemption laws determine the amount of income you’ll be able to keep. Depending on your situation, you might be able to keep most of your wages, if not all.
Consumer rights
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