DEBT SETTLEMENT ATTORNEY

Credit Card companies, creditors, and anyone that has a judgment against a debtor can take legal action to garnish your wages or bank account.  In the case of a wage garnishment, Florida law permits the creditor to take up to 25% of the debtor’s paycheck, per pay period.  Florida law also permits bank accounts and even safe deposit boxes to be garnished and “frozen” to satisfy a money judgment.

Garnishment occurs when a creditor takes legal action to seize a portion of your wages, bank account, or other assets. In wage garnishment cases, the creditor will contact your employer and have your employer deduct a specified amount of money from your check each week to be forwarded to the creditor.  Credit Card companies, creditors, and anyone that has a judgment against a debtor can take legal action to garnish your wages or bank account.  In the case of a wage garnishment, Florida law permits the creditor to take up to 25% of the debtor’s paycheck, per pay period.  Florida law also permits bank accounts and even safe deposit boxes to be garnished and “frozen” to satisfy a money judgment.

Wage garnishments can impact families and severely affect the household finances.  Yet, there are many ways to stop them without having to file for bankruptcy. Wage garnishments can be particularly devastating to debtors (borrowers) because the writ of garnishment is continuing. Therefore, a single writ of garnishment can continue to garnish wages until the full amount of the debt is paid. Fortunately, debtors in Florida do have many legal options to prevent or stop a wage garnishment. If you are threatened with a wage garnishment or your wages are already being garnished, contact us.

At the Law Offices of Jacqueline A. Salcines, PA, attorney Salcines has been assisting clients whose wages or bank accounts are garnished by legally stopping such garnishments.

The First step in fighting a garnishment is assess whether you qualify for any of the 12 exemptions permitted in Florida. They are:

 1. Head of family wages.

 2. Social Security benefits.

3. Supplemental Security Income benefits.

4. Public assistance (welfare).

5. Workers’ Compensation.

6. Reemployment assistance or unemployment compensation.

7. Veterans’ benefits.

8. Retirement or profit-sharing benefits or pension money.

9. Life insurance benefits or cash surrender value of a life insurance policy or proceeds of annuity contract.

10. Disability income benefits.

11. Prepaid College Trust Fund or Medical Savings Account.

12. Other exemptions as provided by law.

Once the attorney is able to determine whether you qualify for an exemption, you must request a hearing.  At the hearing, we will prove to the Judge that you qualify for the exemption through evidence such as tax returns, bank statement, pay stubs, etc.

Wage garnishments and bank account garnishments impact lives.  We are here to help you.

We offer free phone consultations, and a no cost review of your case. Call us today. Tel. 305.669.5280 and see how we can help you.

About the Author: Jacqueline A. Salcines, Esq is the Owner and Managing Partner of the Law Offices of Jacqueline A. Salcines, P.A. Real Estate and Business Law Group. With over 20 years experience including holding a dual degree in Accounting, her broad knowledge of DEBT SETTLEMENT and GARNISHMENT LAW serves to aggressively protect and defend our firm’s clients, foreign investors, real estate buyers and sellers. Call us today to set up a free consultation to discuss your specific needs.

We are here for you! Main office 305 | 669 | 5280.

Or email the attorney directly: J.Salcines@Salcineslaw.com

TRUST | COMMITMENT | RESULTS

JACQUELINE A. SALCINES, ESQ.

706 S. DIXIE HIGHWAY SECOND FLOOR CORAL GABLES, FL 33146

TEL. 305 669 5280 Email: J.Salcines@Salcineslaw.com