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July 2015 Archives

Wage garnishment laws and exceptions in Florida

According to the U.S. Department of Labor, when creditors are not receiving payments on debts in Fort Lauderdale, they can get a court order that allows them to receive a portion of the person’s wages directly from the employer. There is a federal limit that can be garnished, and this is applied after required deductions, such as Florida state taxes. No more than 25 percent of this disposable income can be taken out of a paycheck unless the employee makes more than 30 times the federal minimum wage, which is currently $7.25 an hour.

Limitations of Florida creditor collection methods

Fort Lauderdale residents may believe credit card debt is a necessity in today’s economy, but when life circumstances change, even meeting the minimum payments can become difficult or impossible. According to the Fair Debt Collection Practices Act, Florida debt collectors must not employ abusive, deceptive or unfair collection practices against a debtor in an attempt to collect the debt. The state of Florida also regulates debt collection practices. Those who are being contacted by creditors should be aware of the protections that they are allowed under the law.