Wage Garnishment Attorney in Tampa
Fighting to Protect Your Income
Have you been threatened or hit with wage garnishment? You are probably feeling overwhelmed and anxious about your finances and your future. Wage garnishment makes an already-tight financial situation even more nerve-wracking. Your concerns are valid but remember – there is hope.
Our wage garnishment attorney in Tampa can fight to either undo the garnishment or protect more of your paycheck so that your money stays in your pocket. At Sandra L. Hibsch, P.A., we understand Florida’s bankruptcy laws from the inside out. You can rest assured that Sandra will stand up for your rights and help you navigate the path to a positive solution.
What Is Wage Garnishment?
In Florida, a creditor – someone who is owed a debt – can take legal action against a debtor as a means of getting their money. If the creditor wins a judgment against the debtor, they may request that the debtor’s wages be garnished.
When your wages are garnished, a portion of your paycheck is given directly to the creditor. This will continue until the debt is paid off in full.
Luckily, there are limits to the amount of money that a creditor can garnish. In Florida, a creditor cannot garnish more than 25% of your disposable income, or the amount by which your disposable income exceeds 30 times the minimum wage. Creditors cannot garnish your wages if your disposable income is less than 30 times the federal minimum wage.
Protect Your Hard-Earned Wages
As a debtor, you have the right to claim exemptions to reduce the amount that is garnished from your paycheck. Low-income debtors are more likely to be successful in their efforts to avoid significant wage garnishment.
You may be able to avoid or reduce wage garnishment if:
- You pay at least 50% of a dependent’s living expenses and make less than $750 per week
- You receive alimony or child support payments
- You receive Social Security, disability, or retirement benefits
It is also important to note that filing bankruptcy can protect you from wage garnishment. Federal bankruptcy law protects you from creditors’ collection efforts, which means they will be unable to garnish your wages.
Seek Guidance from Sandra L. Hibsch, P.A.
At Sandra L. Hibsch, P.A., we know that you work hard for the money you earn – and you shouldn’t have to worry about falling further into debt or facing further financial hardships because of wage garnishment. Our Tampa wage garnishment lawyer has the experience and skill needed to effectively protect your wages and help you move forward to a brighter financial future.
Discuss your situation with us today by calling (813) 328-5554.
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