Wage Garnishment Defense Attorney in Plantation, FL

Protect Your Paycheck. Regain Your Peace of Mind.

When creditors begin taking money directly from your paycheck, it can feel like your life is no longer your own. At Segaul Law Firm, we understand the stress, urgency, and financial strain that wage garnishment brings. Whether you’ve just received a notice or garnishments have already started, we’re here to provide immediate, strategic legal defense — and help you take back control.

Serving clients in Plantation, Sunrise, Fort Lauderdale, and across South Florida, we’ve spent over 25 years helping individuals stop garnishments, discharge debt, and protect their livelihoods.

What Is Wage Garnishment?

Wage garnishment is a legal process that allows a creditor to collect a debt by taking a portion of your paycheck directly from your employer. This typically happens after the creditor obtains a court judgment against you.

In Florida, creditors can garnish up to 25% of your disposable income — or the amount by which your income exceeds 30 times the federal minimum wage — whichever is less.

Common causes of wage garnishment include:

  • Credit card judgments
  • Personal loans
  • Medical bills
  • Private student loans
  • Auto loan deficiencies
  • Debt buyer lawsuits

Government-related debts (such as taxes or child support) may follow different rules and percentages.

Can You Stop Wage Garnishment?

Yes — and we can help.

At Segaul Law Firm, we offer multiple legal strategies to stop garnishment and protect your wages, including:

✅ Claiming a Legal Exemption

Florida law protects “head of household” wages from garnishment in many cases — especially if you’re supporting dependents. We can file a Claim of Exemption to assert your rights and stop the garnishment altogether.

✅ Challenging the Garnishment in Court

If the garnishment was entered in error, lacks proper documentation, or the creditor violated procedural rules, we can challenge it and have it lifted.

✅ Filing Bankruptcy for Immediate Relief

Filing a Chapter 7 or Chapter 13 bankruptcy will immediately trigger an automatic stay, which stops garnishment the moment your case is filed. In some cases, we can also help you recover recently garnished wages.

✅ Negotiating with Creditors

In certain situations, we can work directly with the creditor to reduce or restructure the debt and stop the garnishment through settlement.

Florida Wage Garnishment Exemptions

You may qualify for protection if:

  • You are the head of household and earn less than $750/week
  • Your income comes from exempt sources, such as Social Security, disability, VA benefits, or retirement
  • You were not properly served or notified before judgment
  • The debt is past the statute of limitations

We’ll evaluate your situation and file the appropriate court documents to assert any exemptions that apply to you.

How Segaul Law Firm Helps

✔ Fast Legal Action — We move quickly to stop garnishments before more damage is done.
✔ Court Representation — We handle all filings, court hearings, and creditor negotiations.
✔ Experienced Counsel — With 25+ years of practice, we know Florida’s garnishment laws inside and out.
✔ Compassionate Support — You’ll never be judged or rushed. We take the time to understand your life and goals.
✔ Affordable Fees & Flexible Payment Plans — Because you deserve help even when times are hard.

Frequently Asked Questions

Q: How soon can you stop the garnishment?
 A: In some cases, we can stop it within 24–48 hours through bankruptcy or exemption filings. The sooner you call us, the more options you’ll have.

Q: Can I get back money that was already garnished?
 A: Yes, if the garnishment was improper or if you file bankruptcy soon enough. In many cases, we help clients recover wages taken in the 90 days prior to filing.

Q: I received a notice from my employer — what should I do?
 A: Contact us immediately. You typically have 20 days to respond to a garnishment order. Delay can result in continued deductions.

Q: What if I owe the debt?
 A: Even if the debt is valid, the garnishment may not be. We focus on both legal defenses and negotiation strategies that reduce what you owe and stop the paycheck deductions.

Stop Garnishment. Start Rebuilding.

If creditors are dipping into your paycheck, don’t wait until it’s too late. Let Segaul Law Firm fight for your rights, protect your income, and help you move forward with strength and clarity.

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

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

They may be taking money from your paycheck — but you still have power. Let Segaul Law Firm help you use it.