Bank Garnishment Defense Attorney in Plantation, FL

Strategic Legal Action to Unfreeze Your Accounts and Protect Your Income

Imagine waking up to find your bank account frozen — with no warning. Suddenly, you can’t access your paycheck, pay rent, buy groceries, or cover urgent medical bills. This is the harsh reality of bank garnishment, and it happens more often than you think.

At Segaul Law Firm, we provide immediate, aggressive legal defense to fight back against bank account levies and help you regain control of your finances. With over 25 years of experience in consumer debt defense and bankruptcy law, we are trusted advocates for individuals and families in Plantation, Sunrise, Fort Lauderdale, and beyond.

What Is Bank Garnishment?

Bank garnishment — also known as a bank levy — is when a creditor freezes and withdraws money directly from your bank account to satisfy a debt. In Florida, this action typically follows a court judgment, and it can occur without advance notice.

If you’ve received a Notice of Writ of Garnishment, or discovered a frozen account, time is critical. Once served, your bank is legally required to freeze your funds — often for 20 days — while the matter is resolved in court.

During that time, you cannot access your money — and if you don’t respond appropriately, the creditor may take it.

You Have Legal Rights — But You Must Act Fast

The good news: You have powerful defenses under Florida law. But these defenses must be raised promptly — often within 20 days of the garnishment.

At Segaul Law Firm, we act quickly to:

  • File a Claim of Exemption if your funds are legally protected
  • Challenge the garnishment in court based on improper procedure
  • Negotiate a release or settlement with the creditor
  • Stop garnishment through bankruptcy protection

The sooner you call us, the more we can do to protect your funds and minimize disruption to your life.

What Funds Are Protected from Garnishment in Florida?

Certain types of income are exempt from garnishment under state and federal law, including:

  • Social Security benefits
  • Supplemental Security Income (SSI)
  • Veterans’ benefits
  • Child support or alimony received
  • Workers’ compensation
  • Unemployment benefits
  • Retirement and pension payments
  • Disability benefits
  • Wages of the Head of Household (in some cases)

If any of these protected funds are in your bank account — even mixed with other income — we can petition the court to unfreeze your money and return what was taken.

How Segaul Law Firm Helps You

✔ Fast Legal Intervention
 We immediately evaluate your case and take action to stop further withdrawals and recover funds.

✔ Claim of Exemption Filing
 We prepare and file exemption paperwork to assert your legal rights before the court-imposed deadline.

✔ Garnishment Challenge in Court
 We investigate whether the garnishment was properly obtained and defend you in court if necessary.

✔ Bankruptcy Filing (If Needed)
 If garnishment is part of a larger debt issue, we may recommend Chapter 7 or Chapter 13 bankruptcy, which triggers an automatic stay to stop all collections — including bank levies.

✔ Settlement or Negotiation
 In some cases, we can negotiate directly with the creditor to release funds and settle the debt on favorable terms.

Frequently Asked Questions

Q: Can a creditor take all the money in my bank account?
 A: If your account is frozen and no exemption is filed, yes — the creditor may be awarded some or all of the funds. That’s why filing a Claim of Exemption quickly is essential.

Q: Can I get my garnished money back?
 A: In many cases, yes. If the funds were exempt or the garnishment was improperly executed, we can petition the court for release or refund.

Q: Can I stop bank garnishment by filing bankruptcy?
 A: Yes. Bankruptcy creates an automatic stay, immediately halting all garnishment and allowing us to recover some or all funds frozen after the filing date.

Q: What happens if I miss the 20-day deadline?
 A: The creditor may be granted the right to keep the funds. However, even after the deadline, we may still be able to seek relief depending on the circumstances.

Why Choose Segaul Law Firm?

✔ 25+ Years of Debt Defense & Bankruptcy Experience
 ✔ Rapid Legal Response — We Move Fast
 ✔ Affordable, Transparent Fees with Flexible Payment Options
 ✔ Local Representation — No Outsourcing or Call Centers
 ✔ Compassionate, Results-Driven Counsel

We know your money is more than numbers — it’s groceries, rent, childcare, and peace of mind. We’re here to protect it.

Don’t Let Creditors Empty Your Bank Account

If your account has been frozen or you’ve received a garnishment notice, you still have time to fight back — but the clock is ticking. Let Segaul Law Firm help you protect your income, assert your rights, and build a more stable financial future.

📞 Call Now: 954-424-3600
📧 Email: [email protected]
📍 Office Address: 300 S Pine Island Rd, Suite 304, Plantation, FL 33324

Serving Plantation, Sunrise, Fort Lauderdale, and all of South Florida.

When your account is frozen, don’t freeze with fear — take action. Let Segaul Law Firm help you unfreeze your funds and take back control.