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Training For Florida Garnishment Law Requirements

What Is A Garnishment?

A wage garnishment is any legal or equitable procedure through which some portion of a person's earnings is required to be withheld by an employer for the payment of a debt.

The six basic types of garnishments are child support, federal, state, or local levies, creditor garnishments, and student loans, with the largest amount of garnishments being for child support.

Florida Wage Garnishment Rules

Florida law limits the amount that a creditor can garnish from an employee's wages. The Florida wage garnishment laws (also called "wage attachments") generally follow the federal wage garnishment laws, but some exemptions are available in Florida that limit a creditor's right to garnish wages.

Employers should be aware that there are two general types of garnishments, one for child support and one for creditors (commonly referred to as "levies").

• Re child support orders, the maximum amount that can be withheld runs between 50 (if the employee is supporting another spouse and/or children) and 65% (if the employee is not supporting another spouse and/or children and is at least 12 weeks in arrears in making support payments).
• Re levies, creditors with judgments can only take up to 25% of an employee's disposable earnings - and only if those wages meet a minimum threshold.

Disposable earnings are that part of earnings remaining after deductions required by law are made.

Employers cannot withhold any amounts from the earnings of employees who are heads of families and whose weekly disposable earnings do not exceed $750. Heads of families whose weekly disposable earnings are greater than $750 must agree to withholding.

Wages, salary, commissions, and bonuses are all subject to withholding. Retirement plan payments and amounts paid into or out of qualified tuition programs, health or medical savings accounts, and hurricane savings accounts are exempt from garnishment.

About Child Support Garnishments

With regard to child support garnishments, all states are required to use the "Order/Notice To Withhold Income For Child Support" notice for Child Support. This notice is designed to provide employers with key information so that they do not have to decipher unfamiliar orders/notices from different states. Click here for details on this notice, and see below for suggested steps to process this notice.

Suggested Steps To Process The Income-Withholding Order/Notice

Upon receipt of the Order/Notice to Withhold Income for Child Support, the employer should:

• Document the date of receipt
• Determine if the order is "regular on its face" (that is, it appears to be an authentic and complete legal document)
• Provide a copy of the Order/Notice to the employee if it has been issued by another state, and
• Follow the terms of the order

Employers should note that they cannot contest the income-withholding order; however, the employer should contact the issuing agency if unable to implement the withholding either because the individual named in the order is not an employee or a withholding is already in place for the child and employee. Additionally, employers should note that states often have varying garnishment rules, so they should be sure to know the payroll wage garnishments rules for the state(s) in which it does business.

Employer Guidelines For Handling Garnishments

Employers generally have to notify the debtor in writing that a wage garnishment is about to start before making a garnishment and sending payments to the creditor. The wage garnishment then typically continues until the debts are paid off or otherwise resolved. Employers are required to provide employees with a copy of garnishment paperwork.

Recommended Garnishment Training Courses:

• Garnishments, Child Support Orders, And Other Levies
• Dealing with Subpoenas, Summonses, Garnishments, Tax Levies, Etc.
• Certificate Program For Payroll Specialists
• Paycheck Fundamentals Training & Certification Program