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poorpolly · Jul 28, 2009, 12:47 PM

In the state of Florida wage garnishment may not exceed 25% of your net income; however, what if you have 4 creditors all wishing to garnish your wages. Is there any protection from how many debtors are allowed to garnish your wages?:confused:

stevetcg · Jul 28, 2009, 01:54 PM

Then each creditor can get up to 6 1/4 % of your net income. 25% (or whatever it is in a given jurisdiction) is based on the income earner, not who is pulling out pieces.

AK lawyer · Jul 28, 2009, 03:22 PM

Originally Posted by stevetcg

Then each creditor can get up to 6 1/4 % of your net income. 25% (or whatever it is in a given jurisdiction) is based on the income earner, not who is pulling out pieces.

Are you sure the first to garnish doesn't get the full 25% and the subsequent creditors are out of luck?

stevetcg · Jul 28, 2009, 03:50 PM

Originally Posted by AK lawyer

Are you sure the first to garnish doesn't get the full 25% and the subsequent creditors are out of luck?

I actually am not. Good point.

poorpolly · Jul 28, 2009, 05:59 PM

Now how does a creditor go about proving you make what HR states you do? Do they just take their word for it? I would assume that naturally people would want to say they make as minimal as possible &thus if a wage garnishment presents itself does an employee not have the option of taking a pay cut to minimum wage & not be penalized for it?

Fr_Chuck · Jul 28, 2009, 06:05 PM

I know in the states I have worked, most have laws that if the company after being served, do not pay, or pay correctly, they would be held liable for the payment.
So if the company tries to cheat and you prove it, they have to pay you.

If you and the company agree to cut the pay ( and why it is still a percent of wages) but this could be proved to be fraud and you and the company owners can even have criminal charges

poorpolly · Jul 28, 2009, 06:09 PM

Thank you.