Many people are facing suits from creditors.  A successful credit can obtain a judgment against you that may last for up to 20 years in Florida.  Many times creditors will then try to garnish your wages by issuing a writ of garnishment to your employer.  The creditor  by federal law (U.S.C sectubi 1673: Restriction on Garnishment) cannot garnish in excess of 25% of your wages, but this can be a lot – especially for those living paycheck to paycheck.  There are ways to prevent a creditor from taking anything.  Time and time again I have seen this lead to repossessions, foreclosures and evictions.  The writ of garnishment will start off looking like this:

HERE’S HOW TO PROTECT YOURSELF:

Those people eligible for Head of Household Status may claim exemption from garnishment, but you must act affirmatively in executing the section of the paperwork included with the garnishment order or you will lose out.  There are some important things YOU MUST DO.

Some people are even well advised to contact their creditor before they seek a writ of garnishment to prove that they are indeed head of household.  Many times creditors will not pursue garnishment activities if they know they will be unsuccessful.