Wage Garnishment Attorney in Miami

Don’t lose your hard-earned income — Schedule a free consultation with a wage garnishment lawyer today!

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When money is already tight, having your wages garnished to pay off debt can be disastrous. If debt collectors are threatening to take you to court to garnish your wages, or they already are, you need the representation of an experienced wage garnishment attorney in Miami. At Stiberman Law, we will fight back against creditors and provide you with debt relief options that will improve your quality of life, allow you to keep more of your income, and help you move forward with greater financial security.



Understanding Wage Garnishment in Miami

Wage garnishment is a legal court judgment stating that a set amount from a debtor’s paycheck must be diverted to a creditor to whom the debtor owes money. Let’s look more closely at the process that occurs in order for a creditor to have your wages garnished.


The Wage Garnishment Process

The garnishment process starts when unsecured debt creditors, such as credit card companies, collectors for medical bills, or debt collection agencies sue an individual for outstanding debt. If the judge rules in their favor at the garnishment hearing, the creditor can request a court order to garnish your wages in order to get their money.

Before the earnings withholding order goes through, the debtor is notified. Miami residents must then move quickly to stop the garnishment from taking place. Florida law states that a debtor only has 20 days after the court order is placed before the debtor’s employer is notified and pay is garnished.

Once the order is in effect, judgment creditors will continue to receive wages until one of three things happen:

  1. The debt is paid in full
  2. The debtor claims and receives an exemption from the court.
  3. The debtor files for bankruptcy and an automatic stay goes into effect.

Non-Wage Garnishments

In some cases, a judgment creditor can access your bank account in a bank levy. These are less common, but the creditor may obtain a court order freezing your accounts and removing money to cover the owed amount. Anytime money is added to your account, the creditor can continue to take money from it to keep paying the balance.

Understanding Non-Judgment Debts

While the above process refers to judgment debts — wage garnishment sought from an unsecured creditor — certain debts do not require a court order. This includes:

  • Back child support payments
  • Back alimony payments
  • Federal student loans
  • Unpaid taxes

Instead, the responsible agencies can contact an employer directly and wages can be garnished after informing the debtor. These debts also can not be removed in a bankruptcy discharge.

Why You Need a Wage Garnishment Lawyer

If you receive a notice that you are being sued by a creditor, it’s important to secure legal representation as soon as possible. At Stiberman Law, we can negotiate with creditors to reduce your payments or settle on a lump sum to avoid a default judgment.


If the order has gone through, our experienced attorneys can analyze the paperwork and judgment to look for procedural mistakes or file an exemption to either cancel the garnishment or reduce the garnishment amount.

Depending on your financial situation, we can also discuss whether you should file for Chapter 7 or Chapter 13 bankruptcy. This will stop any withholding of your paycheck in addition to communication from any creditors.

Since 1998, Stiberman Law has been dedicated to helping our clients escape debt and keep more of their hard-earned income. Regardless of your financial challenges, we can provide you with personalized guidance and legal action to improve your financial future.

If you are concerned about whether you can afford a wage garnishment lawyer in Miami, we offer a free evaluation and initial consultation as well as affordable payment plans. Our law firm is dedicated to fighting against predatory creditors and helping our clients achieve greater financial freedom.

Frequently Asked Questions About Wage Garnishment

We understand it can be confusing and scary to have your paycheck withheld by a creditor. To help you better understand the process, we’re answering some frequently asked questions.

Why Choose Stiberman Law?

Experienced Wage Garnishment Attorneys in Miami


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Contact a Wage Garnishment Attorney in Miami Today

Don’t lose out on your hard-earned income. Our wage garnishment attorneys are on your side to help you keep your wages. Schedule a free consultation with an experienced lawyer at Stiberman Law today by calling (954) 932-7804 or filling out the form below.

We represent clients in Miami Dade County And The Surrounding Area.

Serving Miami-Dade County And The Surrounding Area


From our office in Miami (Miami-Dade, Fl), we represent wage garnishment clients in AventuraBal Harbour, Bay Harbor Islands, Biscayne ParkCarol CityCoconut GroveCoral GablesCutler BayDoralEl Portal, Florida City, GouldsHialeah, Hialeah Gardens, HomesteadKendall, Key Biscayne, Leisure CityMiami Beach, Miami Gardens, Miami Lakes, Miami Shores, Miami Springs, NaranjaNorth Bay Village, North Miami, North Miami Beach, OchopeeOjusOlympia HeightsOpa-LockaPalm Springs NorthPalmetto BayPinecrest, Princeton, Richmond Heights, South Miami, South Miami Heights, Sunny Isles Beach, Surfside, Virginia Gardens, West Miami and Westchester.

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