Garnishments and judgements

by Larry
(Ocala, Florida 34472x)

I owe $2900.00 bucks on some gym equipment, since the economy is off so much I have been scrapping to get by. I mentioned it would be a couple of months before I could get some money back out to them. They passed it along to an attorney collections. They have thereatened wage garnishment and judgement against my home...I believe judgements are legal here in Florida...but wage garnisement I don't think so. Is that correct or not

Comments for Garnishments and judgements

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Oct 04, 2010
 Judgments and garnishments in FL
by: Mary

Thanks for submitting your debt collection question on our Q&A page.

Wage garnishment IS legal in Florida. However, before your wages can be garnished, a creditor or debt collector must sue you and win the lawsuit. Then the creditor or debt collector will be awarded a judgment against you for a certain amount of money and garnishing your wages will be one of the ways that the creditor or debt collector may try to collect on that judgment. Other options include taking money from your bank account or putting a lien on one of your nonexempt assets. (Nonexempt assets are NOT safe from any collection actions against you.)

Have you tried to work out a payment plan you can afford with the attorney who is trying to collect the $2,900 from you? If you do, be sure to get all of the terms of the plan in writing before you make any payments on it.

If a payment plan is not an option for you, I suggest that you schedule a FREE consultation with a bankruptcy attorney. After sizing up your financial situation, including finding out about the assets you own and all of the money you owe, the attorney will tell you whether filing for bankruptcy would be good move for you or whether there are other actions you should take to resolve your money problems. Meeting with the attorney will help you ensure that you have all of the information you need to make a wise, informed decision about what to do.

Good luck!

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