FL Garnishment Law
Florida offers one of the strongest wage garnishment protections in the country through its head of household exemption. If you provide more than half the support for a child or other dependent, your wages may be completely exempt from garnishment for consumer debts if you earn $750 or less per week. Even above that threshold, a head of household must provide written consent for garnishment. Florida also has no state income tax, which affects disposable earnings calculations.
| State abbreviation | FL |
|---|---|
| Consumer debt limit | 25% of disposable earnings, subject to the 30x minimum wage test |
| Child support limit | 50% if supporting another family, 60% otherwise, plus 5% for arrears |
| Federal student loans | 15% administrative garnishment cap |
| State minimum wage | $13.00 |
| Minimum wage source used in calculator | Federal minimum wage baseline |
| Head of household protection | Yes |
| Statute reference | Florida Statutes §222.11 |
Florida provides a powerful head of household exemption. If you qualify as head of household (providing more than 50% of support for a dependent), your wages are completely exempt from garnishment for consumer debts up to $750/week. Above that threshold, you must consent to garnishment.
Tax levy note: Florida has no state income tax. Federal IRS levies use their own formula.