WE ARE WAGE GARNISHMENT ATTORNEYS

Our garnishment attorneys are available to assist individuals whose wages or bank accounts have been garnished. Our office is conveniently located in Tampa. Our attorneys can give you legal advice to determine your best strategy for defending and removing the garnishment. At your initial consultation your garnishment attorney will assess your case and advise you on the right approach for stopping a garnishment.

What is Garnishment?

Garnishment is a legal proceeding where a creditor seizes the funds in your bank account, or takes your wages directly from your employer.  Our garnishment attorneys are available for a free consultation. Limits on the amount and types of funds garnished are provided by state and federal law, and are specifically provided for in the Florida Statutes. Garnishment cases are handled in county court, circuit court and federal court. After your wages have been garnished, you have 20 days to request a hearing to immediately stop your creditors from legally seizing your bank accounts or wages. After your garnishment hearing, the court will either rule that the garnishment must continue or that the garnishment should immediately stop. 

What Can Garnishment Defense Do for Me?

Garnishment Defense May Save Your Wages

If your wages are garnished, creditors can take up to 25% of your disposable earnings every paycheck.  If the garnishment is vacated, the deductions will immediately stop and the garnishment amount will no longer come out of your paycheck.  If your garnishment defense is filed soon enough, you may also be entitled to a refund of the garnished amounts.

Garnishment Defense May Save Your Bank Account

When your bank account is frozen, the creditor may empty your entire account to satisfy the judgment against you.  The creditor is under no obligation to give you advance notice of the garnishment and 100% of the time files their motion for writ of garnishment with no notice to the consumer. This means that almost every bank garnishment happens by surprise. Most consumers don’t learn that their account has been frozen until their debit card starts getting declined. If the garnishment is not vacated, the money that was in your bank account will be applied to the judgment and gone forever.  The Consumer Rights Law Group successfully vacates bank garnishments on a regular basis.

Garnishment Defense May Stop the Calls and Harassment

Once a creditor knows you are represented by an attorney about a particular debt, that creditor can no longer contact you directly. This means no phone calls, no letters and no harassment.  If a creditor does contact you directly about the debt, they are breaking the law and may have to pay you damages. 

Garnishment Defense May Make Settlement Easier

Creditors may be more likely to offer favorable settlement terms to consumers who have defenses to garnishment than those who do not. Consumers who are represented by an attorney may also be more likely to obtain favorable settlement terms than those who are not represented. 

What Garnishment Defense Cannot Accomplish

Garnishment Defense cannot cure every financial problem, nor is it the right step for every individual. Vacating a Garnishment does not:

  • Discharge the underlying debt. Garnishment Defense is different than debt defense. While debt defense deals with whether or not you owe the debt, garnishment defense only deals with whether or not you can be garnished. Just because your garnishment is vacated does not mean you do not still owe the debt. 
  • Satisfy the Judgment. Vacating a garnishment is not the same as vacating a judgment. When a garnishment is vacated, the judgment still remains until it is satisfied or set aside.
  • Fix your Credit. While legitimate credit report errors cannot legally remain on your credit report, winning a garnishment case does not mean that you no longer owe the money.

 

What Are the Different Types of Garnishment?

Wage Garnishment

Wage Garnishment is sometimes known as “continuing garnishment.” Under this type of garnishment, a 25% of a debtor’s disposable income is withheld from each and every paycheck. The money that is withheld is then used to pay the creditor who holds the judgment. The garnishment continues each and every paycheck until the debt is paid, the garnishment is vacated or the consumer quits their job.

Bank Garnishment

A bank garnishment does not continue from week to week or month to month. Under this type of garnishment a debtor’s bank account is frozen and the funds seized are used to pay the creditor. The seized funds are applied to the judgment. If there is not enough money to satisfy the judgment, the entire account is emptied completely.

Is Garnishment Defense Right for My Situation?

Has a creditor recently garnished your wages or bank account?  If so, garnishment defense may the right choice for you. Call one of our attorneys for a free consultation to discuss your options.

What Will My Attorney Do To Defend My Garnishment?

  • Meet you promptly for a short 30 minute evaluation
  • Evaluate your case
  • Advise you on any potential defenses you might have
  • Develop a strategy for fighting the garnishment
  • Draft all papers necessary to fight the garnishment
  • Serve all court papers on the attorneys and the court
  • Request a hearing with the court
  • Calendar a court date
  • Appear in court on your behalf
  • Argue your case to the judge
  • Fight to have your wages returned
  • Fight to have your bank account unfrozen
  • Draft and serve any court orders- wrapping up the garnishment

What Are The Costs To Defend My Garnishment?

There are no expensive filing fees or court fees. Depending on the facts of your case and your defense, there may be a fee for a deposition or court reporter.  This fee is not charged by our firm but by a third-party.

What Is Your Attorney’s Fee To Defend My Garnishment?

Because every case is different, fees vary from case to case. In many of our garnishment cases, our fees are less than your first month of garnished wages. We take garnishment cases on a flat fee basis,  meaning that we do not bill you by the hour or by the month. Your price is your determined by our attorneys and we will give it to you upfront after learning the facts of your case.

Will I Have to Go to Court?

In order to have a garnishment vacated the court must rely on evidence. In most garnishment cases, the strongest evidence is your testimony in court. While we try our best to keep you out of court, if your testimony is necessary, you will have to go to court. One of our experienced garnishment attorneys will attend this hearing with you, so don’t worry, you won’t be alone! Our attorney will give an opening statement to the judge, present evidence, examine or cross-examine any witnesses, make legal arguments and present a closing argument. During direct examination by your attorney,  you will be asked a few questions about your defenses to garnishment. Our attorneys are experienced and have successfully conducted similar trials on hundreds of occasions.

 

The Consumer Rights Law Group, PLLC

3104 W Waters Ave
Suite 200
Tampa, FL 33614

813-435-5055