Head of household is not the only exemption that can be used to stop a garnishment. For instance, exemptions to garnishments may also include social security benefits, welfare, workers’ compensation, veterans’ benefits, pensions, life insurance benefits, and disability income benefits.

A debt collector ultimately could garnish your bank account or your wages if you live in Florida. One of the forms of debt collection is to freeze your bank account or garnish your bank account and the other form would be wage garnishment.

Under current Florida law, if your wages or bank accounts are going to be garnished, after a judgment has been entered, you will not receive any notice until after the wages have been withheld or a hold has been placed on your bank account.

Proving a head of household exemption in Florida requires documentation such as prior income tax returns, pay stubs, and W2 statements for all income-earners in the household.

What Personal Property Can Be Seized in a Judgment in Florida? When a creditor has a judgment against you, the creditor can generally take any non-exempt personal property owned by you. This includes personal property in your home, your safe deposit boxes, or your financial accounts.

In the state of Florida, you can’t be put in jail for failing to pay a debt or judgment. What can happen when you fail to pay a debt is that it will be reported to credit bureaus, and it will become part of your credit history for up to seven years.

A creditor can garnish 25% of your disposable income or the amount by which your disposable income exceeds 30 times federal minimum wage, whichever is less. In Florida, if your disposable income is less than 30 times federal minimum wage, your wages can’t be garnished at all.

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.