Garnishment & Repossession Defense Attorney in Plantation, FL

Protect Your Paycheck, Your Property, and Your Peace of Mind

When a creditor comes after your paycheck or takes your car without warning, it can feel like your life is spiraling out of control. At Segaul Law Firm, we provide experienced, strategic legal defense to stop wage garnishments and repossession actions — helping you regain stability and protect what you’ve worked so hard to earn.

With over 25 years of consumer bankruptcy and debt defense experience, our firm has become a trusted ally to individuals and families across Plantation, Sunrise, Fort Lauderdale, and the surrounding South Florida communities.

Don’t Let Creditors Take What You Need to Live

If you’ve received a court notice, wage garnishment order, or had your vehicle repossessed, you still have options — but time is critical.

We help clients:

  • Stop or reduce wage garnishment
  • Recover wrongfully garnished funds
  • Prevent or reverse vehicle repossession
  • Negotiate affordable alternatives
  • Protect exempt property and income under Florida law

Whether you’re already under attack or want to take action before garnishment or repossession occurs, Segaul Law Firm is ready to help.

Understanding Wage Garnishment in Florida

Wage garnishment allows a creditor to legally take money from your paycheck to satisfy a debt — often without your consent, once a judgment has been entered.

Florida law allows:

  • Up to 25% of your disposable income to be garnished
  • Garnishment of bank accounts and savings (without proper exemptions)
  • Garnishment of wages for consumer debt, medical bills, credit cards, and personal loans

But there are powerful defenses, including:

  • Exempt income protections (Social Security, VA benefits, etc.)
  • Head of household exemptions (protecting those supporting dependents)
  • Procedural violations by the creditor
  • Filing for bankruptcy, which immediately triggers an automatic stay

We’ll analyze your case and respond quickly to stop the garnishment before it causes further harm.

Understanding Repossession in Florida

Repossession most commonly applies to cars and financed personal property, but may also include RVs, boats, or equipment. If you’re behind on loan payments, creditors can repossess these items without a court order — often with little warning.

At Segaul Law Firm, we help you:

  • Stop a pending repossession
  • Negotiate loan reinstatement or refinance options
  • Challenge improper or illegal repossession
  • Recover a repossessed vehicle through legal channels
  • File Chapter 13 bankruptcy to restructure auto debt and avoid repossession altogether

How Bankruptcy Stops Garnishment & Repossession

Bankruptcy is often the most powerful legal tool to protect your income and property.

  • Chapter 7 Bankruptcy stops garnishment immediately and discharges most unsecured debts.
  • Chapter 13 Bankruptcy allows you to repay vehicle or loan arrears over time — while keeping your property.

The moment your bankruptcy petition is filed, an automatic stay is issued by the court, forcing creditors to cease:

  • Garnishments
  • Repossessions
  • Collection calls
  • Lawsuits and judgments

Our team will help you choose the best option — and act fast to enforce your rights.

Why Choose Segaul Law Firm?

✔ 25+ Years of Local Bankruptcy & Debt Defense Experience
 ✔ Hands-On, Responsive Legal Strategy
 ✔ Affordable Flat Fees & Payment Plans Available
 ✔ Trusted Across Plantation, Sunrise & Fort Lauderdale
 ✔ Respectful, Judgment-Free Service — Always

We don’t just know the law — we care about how it affects your life. Whether you’re a single parent trying to support a family or someone recovering from a financial setback, we’re here to protect your paycheck and your dignity.

Frequently Asked Questions

Q: Can I stop a wage garnishment that already started?
 A: Yes. We can challenge the garnishment in court or file for bankruptcy to immediately halt it and recover wages in some cases.

Q: I’m the head of household. Can my wages be garnished?
 A: Florida law offers strong protections for heads of household. We can help you assert your exemption and stop the garnishment.

Q: Can I get my repossessed car back?
 A: Possibly. If your vehicle was repossessed recently, we may be able to negotiate its return or file Chapter 13 to recover and retain it.

Q: What’s the fastest way to stop garnishment or repossession?
 A: Filing for bankruptcy triggers an automatic stay that legally halts all collection actions — often within 24 hours.

Act Now to Protect What Matters

Every day you wait puts more of your income and assets at risk. Let Segaul Law Firm help you fight back against garnishment and repossession — and take back control of your financial life.

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

Proudly defending South Florida residents in Plantation, Sunrise, Fort Lauderdale, and surrounding communities.

When creditors come for your paycheck or property, you don’t have to face them alone. Let Segaul Law Firm protect what you’ve worked hard for.