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Florida Garnishment Formula:
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Wage garnishment in Florida is a legal process where a portion of an employee's earnings is withheld by an employer for the payment of a debt. Florida law provides specific protections for debtors regarding how much can be garnished.
The calculator uses the Florida garnishment formula:
Where:
Explanation: The garnishment is the lesser of 25% of disposable earnings OR the amount by which disposable earnings exceed 30 times the federal minimum wage.
Details: Florida follows federal guidelines under the Consumer Credit Protection Act (CCPA) which limits garnishment to the lesser of 25% of disposable earnings or the amount by which weekly earnings exceed 30 times the federal minimum wage.
Tips: Enter your disposable earnings (after taxes and other required deductions) and the current Florida minimum wage. The calculator will determine the maximum amount that can be legally garnished.
Q1: What counts as disposable earnings?
A: Disposable earnings are what remain after legally required deductions like federal, state, and local taxes, Social Security, unemployment insurance, and state employee retirement systems.
Q2: Are all debts subject to garnishment?
A: No, only certain types like child support, alimony, taxes, and court-ordered judgments. Florida has strong homestead protections against many creditor claims.
Q3: What's Florida's current minimum wage?
A: As of 2023, Florida's minimum wage is $11/hour ($440 for 40-hour week), increasing annually until reaching $15 in 2026.
Q4: Are there any exemptions?
A: Yes, certain types of income like Social Security, disability, and retirement benefits may be exempt from garnishment.
Q5: Can my employer fire me for garnishment?
A: Florida law prohibits termination for a single garnishment, but allows termination for multiple garnishments.