April 20, 2024
How Does a Florida Writ of Garnishment Work?

by Denis Kleinfeld

A Florida writ of garnishment lets creditors collect debts by taking assets. It helps creditors get what they are owed. It also warns debtors who might lose their assets.

Florida’s laws for garnishment are detailed in Chapter 77 of its Statutes. Creditors need a court judgment and a written execution to start. Then, they can ask for a garnishment writ and pay fees. The court clerk issues this writ. It is sent to the debtor’s employer or bank.

The garnishment process in Florida can touch many types of accounts. This includes wages, bank accounts, and investment assets. Wages are often garnished, meaning some earnings are held back. Creditors can also take funds directly from bank or investment accounts.

Being targeted by garnishment in Florida means you need to know your rights. Florida has certain protections. For example, wage earners who support a family may be exempt. Debtors must file specific forms to claim these protections.

Garnishment can deeply affect debtors, hitting their finances and job opportunities hard. It’s essential for both sides to get legal advice from a lawyer skilled in garnishment. This ensures they handle the situation correctly.

Key Takeaways:

  • Florida garnishment laws are governed by Chapter 77 of the Florida Statutes.
  • A writ of garnishment must be obtained by the creditor to initiate garnishment.
  • Garnishment can target wages, bank accounts, brokerage accounts, and other assets.
  • Florida provides exemptions from garnishment, such as the head of household exemption and exemptions for specific types of funds.
  • Garnishment can have negative consequences for debtors, impacting their assets and employment prospects.

Understanding the Types of Garnishment in Florida

In Florida, creditors can garnish many kinds of accounts. These include wages, bank and brokerage accounts, among others.

Wage garnishment is very common in Florida. It means an employer holds back part of an employee’s earnings.

Bank account garnishment lets creditors take money right from a person’s bank account. It allows them to directly access a debtor’s money.

Brokerage account garnishment is when creditors take over assets in an investment account. They can go after stocks, bonds, and more to cover debts.

Knowing which accounts can be garnished in Florida is key. This knowledge helps debtors protect their money. And it lets creditors chase up debts more efficiently.

The Process of Garnishing a Bank Account in Florida

Garnishing a bank account in Florida involves specific steps. To do it smoothly, as a creditor, knowing these steps is key. Here is how the process works:

  1. Obtain a judgment and a writ of execution from the court: You need a court’s judgment against the debtor first. Then get a writ of execution. This allows for the debtor’s assets to be seized to pay what’s owed.
  2. File a motion for a writ of garnishment: After getting the judgment and writ, you file a motion for a writ of garnishment. This motion gives details like the debtor’s name, the owed amount, and the bank account to garnish.
  3. Pay the necessary fees: You must also pay fees to process the garnishment. These fees change, so check with the court or get legal advice for the exact amount.
  4. Serve the writ of garnishment on the garnishee: Once the motion is filed and fees are paid, you get a writ of garnishment from the court clerk. Your job is to serve this writ to the debtor’s bank. This informs the bank about the garnishment and starts the process to freeze and seize the debtor’s funds.
  5. Provide the debtor with required documents: By law in Florida, you must give the debtor some documents within a specific time. These include the motion, the writ of garnishment, and a Claim of Exemption form. This ensures the debtor knows about the garnishment and their rights to fight it or claim exemptions.

Following these procedures carefully is vital to avoid problems during the garnishment. Knowing these steps helps you confidently garnish a bank account in Florida.

Exemptions from Garnishment in Florida

Florida law gives certain protections for people’s assets from garnishment. It’s key for both creditors and debtors to know about these exemptions.

Head of Household Exemption

One key protection is the head of household exemption. This helps with wage garnishment. If someone pays for more than half of a dependent’s expenses, a part of their earnings can’t be garnished. This exemption aims to keep families financially stable by avoiding too much garnishment.

Bank Account Exemption

Florida also has a bank account exemption. This covers some funds in bank accounts, like social security money. It stops creditors from taking these funds through garnishment.

Claiming Garnishment Exemptions

To use garnishment exemptions in Florida, debtors must file a Claim of Exemption form in court. This form needs proof or an explanation of why their assets should not be garnished. Giving a clear argument for exemption is crucial.

After filing the form, creditors have a period to challenge the exemption if they see it as wrong. Sometimes, there might be a hearing to see if the exemptions are valid. Debtors must be ready to prove their exemption claims in such cases.

Garnishment exemptions in Florida

Knowing and using garnishment exemptions in Florida is crucial to protect assets. By using these exemptions, debtors can keep their income, bank accounts, and other assets safe from creditors.

Dissolving a Writ of Garnishment in Florida

The garnishment process has its flaws, and debtors can challenge it. They can do so if the creditor did not follow the garnishment rules closely. If mistakes were made, the debtor can work to cancel the writ.

Debtors have the choice to ask to dismiss the writ, pointing out any errors the creditor made. They can show the court these mistakes to get the writ thrown out. This frees them from the garnishment.

There’s also the case where the creditor wrongly takes funds that are protected in Florida. Here, the debtor needs to get a court order that says these funds are exempt and stops the garnishment. They must show proof or reasons why the exemption applies, fighting against the creditor’s actions.

It’s important for debtors to know their rights and what they can do if a garnishment seems wrong. Getting help from a debt collection lawyer is a smart move. This way, they can better understand the process and keep their money safe.

“Through legal action, debtors can challenge a writ of garnishment in Florida, highlighting procedural defects or violations by the creditor and seeking to dissolve the garnishment. Consulting with a knowledgeable attorney is crucial to navigate this process successfully.”

Sample Table – Procedural Defects in Garnishment:

Procedural Defect Explanation
Failure to provide required notice to the debtor The creditor did not properly notify the debtor before the garnishment, violating due process rights.
Improper service of the writ The writ of garnishment was not correctly served, causing an unfair garnishment.
Expired or invalid writ The creditor used a writ that was out of date or had mistakes.
Failure to follow garnishment exemptions Creditors took exempt funds or assets without obeying the necessary steps.

Protecting Bank Accounts from Garnishment in Florida

In Florida, bank accounts can easily be taken by creditors. Debtors, though, can stop this. They can plan ahead to keep their accounts safe. By using smart methods, your money can be kept out of creditors’ reach.

Understanding Asset Protection Planning

Asset protection is all about keeping your stuff safe from those you owe. Using trusts, like revocable or irrevocable ones, is one smart move. Assets in a trust are harder for creditors to grab.

Moving stuff to certain businesses or family setups can also help. This makes your personal things hard to touch. Estate plans, wills, and legal documents add extra safety.

The Importance of Consultation

Talking to a good lawyer is key. They figure out the best moves to keep your bank safe. They make sure everything is done right, following the law.

“Asset protection planning means being ahead of the game to keep your stuff safe. With a lawyer’s help, you can set up a strong plan. This keeps your bank and future secure.”

– Attorney Jessica Anderson

Considerations and Limitations

Asset protection works well, but it has rules. Hiding assets to dodge debts can backfire. Moves should be made early, not just when trouble starts. Also, some things like retirement funds are already protected by law.

The Impact of Garnishment on Debtor’s Assets and Employment

Garnishment can seriously hurt debtors. When creditors file for garnishment, debtors might lose access to their bank accounts. Their funds could be frozen.

This makes it hard for them to afford basic needs. Garnishment can also negatively affect employment. Employers might hesitate to hire or promote someone with garnishment issues.

To avoid these problems, it’s best to tackle debt early. Looking for solutions like repayment plans or talking to creditors can help. Taking action early can protect jobs and keep assets safe.

Impact of garnishment on debtor's assets and employment

The Effect of Garnishment on Debtor’s Finances and Job Prospects

Effect of Garnishment Consequences
Loss of access to bank accounts Financial hardship, inability to pay for essential expenses
Frozen funds Restriction of financial resources, difficulty in managing day-to-day finances
Employer perception Viewed as financially unstable, potential negative impact on job prospects
Limited job opportunities Difficulty in securing employment due to garnishment records
Hindered career advancement Limited promotions or professional growth due to garnishment history

Seek Legal Advice for Garnishment Cases in Florida

Garnishment cases in Florida are complex. They impact both creditors and debtors deeply. It’s critical for both sides to get legal advice for garnishment cases from a specialized debt collection attorney. A skilled lawyer can guide you through the garnishment process. They ensure the creditor follows correct procedures and protect the debtor’s rights.

Getting advice from a debt collection attorney helps both parties. It lets them effectively move through the garnishment process. This way, they can reach the best outcome for their situation.

Consultation with a Debt Collection Attorney

A consultation with a debt collection attorney is key for those involved in garnishment cases. The attorney can look at your case closely. They offer advice based on their knowledge and Florida’s garnishment laws.

In this meeting, the lawyer examines your garnishment case details. This includes the judgment and any important paperwork. They explain the legal options available. This helps both parties understand their rights and duties during the process.

Protecting Rights in Garnishment Proceedings

Debtors have rights that need to be protected in garnishment cases. A debt collection attorney stands up for debtors. They make sure debtor’s rights are respected.

The lawyer reviews all garnishment documents thoroughly. This includes motions, writs, and responses. They look for any mistakes or procedural errors that could cancel the garnishment.

If problems are found, the attorney will act. They might end the garnishment or dispute the creditor’s claims. Their goal is to safeguard the debtor’s finances and assets.

The Role of a Debt Collection Attorney in Garnishment Cases

A debt collection attorney is vital in these cases. They give valuable legal advice and guidance to creditors and debtors. This ensures everyone knows about the garnishment process and their rights.

For creditors, the attorney helps with the legal steps to get and enforce a garnishment. They make sure debt collection follows the law.

Debtors get help from the attorney too. The lawyer protects their rights during garnishment. They give advice on exemptions, disputing garnishment, or finding other debt solutions.


The garnishment process in Florida is not simple. It lets creditors get debts paid by taking assets from debtors. This requires getting a judgment, then filing for a writ of garnishment. After that, the writ is served on the garnishee. The debtor also gets the necessary documents.

Florida gives debtors some protections against garnishment. They can stop a writ of garnishment if there are mistakes in the process. It’s very important for both creditors and debtors to get advice from a lawyer. This helps them understand the garnishment process and protect their rights.

Knowing about the garnishment process and rights helps both sides. If you are trying to collect a debt or are facing garnishment, talking to a lawyer is key. A good attorney makes sure everything is done right according to Florida laws.


How Does a Florida Writ of Garnishment Work?

In Florida, a writ of garnishment allows creditors to take assets from debtors to pay off debts. This starts by getting a judgment and filing for a garnishment writ. The garnishee gets the writ, and the debtor gets the needed paperwork.

What are the Types of Garnishment in Florida?

Florida recognizes several garnishment types, such as taking from wages, bank, and brokerage accounts. Creditors use these types to withhold earnings or take funds directly from accounts.

How can I Garnish a Bank Account in Florida?

Garnishing a bank account in Florida requires a court judgment and writ. You must then file a garnishment motion and cover any fees. The writ is issued, served to the bank, and the debtor is informed properly.

What Exemptions are there from Garnishment in Florida?

Florida’s laws protect certain assets and wages from garnishment. To claim exemptions, debtors file a form and must back it up with evidence or a clear explanation.

How can I Dissolve a Writ of Garnishment in Florida?

To dissolve a writ due to procedural issues, file a motion to dismiss it. If exempt funds were taken, you’ll need a court order to confirm the exemptions and end the garnishment.

How can I Protect my Bank Accounts from Garnishment in Florida?

Asset protection plans can safeguard Florida bank accounts from garnishment. Strategies include trusts, transferring to exempt entities, or estate planning.

What is the Impact of Garnishment on Debtor’s Assets and Employment?

Garnishment can badly affect debtors by freezing accounts and restricting fund access, causing hardship. It might also hurt job prospects as employers might see it as financial trouble.

Why should I Seek Legal Advice for Garnishment Cases in Florida?

Since garnishment in Florida can get complicated, legal advice is vital. A specialized attorney can protect debtor rights and guide through the process.

What is the Summary of the Garnishment Process in Florida?

The process involves getting a court judgment, filing for a garnishment writ, and informing the garnishee and debtor. There are exemptions, and procedural flaws can dissolve a writ. Legal advice is recommended to protect involved parties.