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(2)(a) All of the disposable earnings of a head of family whose disposable earnings are less than or equal to $500 a week are exempt from attachment or garnishment. (b) Disposable earnings of a head of a family, which are greater than $500 a week, may not be attached or garnished unless such person has agreed otherwise in writing. In no event shall the amount attached or garnished exceed the amount allowed under the Consumer Credit Protection Act, 15 U.S.C. s. 1673.
(3) Earnings that are exempt under subsection (2) and are credited or deposited in any financial institution are exempt from attachment or garnishment for 6 months after the earnings are received by the financial institution if the funds can be traced and properly identified as earnings. Commingling of earnings with other funds does not by itself defeat the ability of a head of family to trace earnings.
Summary: if you provide more than 1/2 support of a child or other dependent, then your wages can't be touched without your consent, and your account where wages are deposited can't be touched for six months after wages are deposited into the account.
Hope this helps.
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If a creditor garnishes your account, you will get a notice from the sheriff. You'll have to file a motion with the court for an order of exemption, after which the sheriff will return the money. Meanwhile, you'll want to kill everyone for the inconvenience.
If you want to avoid the inconvenience, don't put your account in the bank, or alternatively, find a bank in a different jurisdiction that has no Florida branches or affiliates. Then the creditor won't be able to force the garnishment without significant added expense -- which it won't spend.
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