Florida Law Protects Head-of-Family Wages and Federal Benefits from Garnishment
Florida law establishes specific protections against wage garnishment, particularly for individuals who qualify as 'head of family' and for recipients of federal benefits. Under Florida Statute § 222.11, disposable earnings of a head of family are protected up to $750 per week, provided the debtor provides more than half the support for a dependent. Earnings above this amount can only be garnished if the debtor has provided a written waiver. This protection extends for six months after the wages are paid, as long as the funds remain traceable. Federal law also preempts state garnishment authority over specific benefit payments, including Social Security retirement, disability, and survivor benefits, as well as Veterans' benefits, with narrow exceptions for federal tax debt, child support, and alimony. These federal exemptions operate automatically, shielding these income streams from creditors.