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Understanding Wage Garnishment in Florida: Know Your Exemptions

May 14, 2026

If part of your paycheck is being withheld, your ability to pay rent and utilities may be at risk. Florida law provides strong wage protections — but you must assert them.

Creditors must follow strict legal procedures before garnishing wages.

Florida Wage Protections

Florida’s head-of-household exemption may protect wages if you support a dependent.

Certain income sources may be fully exempt.

Quick Takeaways

  • File a Claim of Exemption quickly
  • You may have only 20 days to respond
  • Court hearings determine validity
  • Some income cannot be garnished

Pro Se Garnishment Defense

Obtain a Claim of Exemption form from the Clerk of Court. File promptly and request a hearing.

About FRLS

FRLS assists qualified individuals in stopping unlawful wage garnishment and asserting income exemptions.

Call 1-888-582-3410 for free help if you qualify.