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Wage garnishments: when you work two jobs

When you fall behind on your payments and your creditors begin garnishing your wages in Florida, you may consider getting a second job to try to keep up with your living expenses. However, adding another income source does not necessarily mean that you will be bringing all of that money home. At the Law Offices of George Castrataro, P.A., our team understands that federal and state laws are not always sufficient to protect the income you need to live on.

According to Chron.com, your creditors are limited in how much they can garnish from your wages, although the percentage that they take depends on the type of debt. For example, a credit card company may garnish up to 25 percent from the amount of your earnings you would have taken home after standard deductions such as taxes are taken out. On the other hand, child support may result in a garnishment of as much as 60 percent of that disposable income. These garnishments would affect your first and your second job separately.

Although you may have up to 25 percent of your weekly earnings from each job garnished by a creditor, you must also be allowed to keep a certain amount of each. This limit depends on whether you are supporting only yourself, or you also support others. However, if you make above the limit on the first job and below the limit on the second, only the first will be garnished. If some of your paycheck exceeds the limit you get to keep, a creditor may still garnish that amount. More information about ways to stop wage garnishment is available on our web page.

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