How to Reverse Wage Garnishment in Florida

If you do not pay your debts, your creditors can sue you and then ask the judge to garnish your wages -- i.e., take money out of your paycheck each pay period to pay back the debt. Federal laws govern wage garnishment. In Florida, as in other states, you can reverse a garnishment if you are able to settle your debt in some other manner.

Instructions

1

Pay the debt in full if you can afford to do so. Visit the clerk of the court where your creditor obtained a judgment against you. Pay the debt to the clerk and get a receipt. Show the receipt to your employer to prove that the debt has been paid so that it can stop garnishing your wages.

2

Contact your creditors and request to make payment arrangements. Meet your creditors in person. You should bring an attorney to this meeting if at all possible. Your attorney can help you negotiate with the creditors so that you can pay the debt back in affordable installments. You must sign an agreement in writing and bring a copy to your employer to stop the wage garnishment.

3

File a slow-pay motion with the court. Bring a budget and your latest tax return as well as your last three pay stubs to your court hearing. Explain to the judge why you cannot pay back the debt in full and tell him how much you can afford to pay. Ask the judge to stop the garnishment and order you to pay back the debt in installments instead. If the judge grants your request, bring a copy of the new court order to your employer and ask it to stop garnishing your wages.