What is a Writ of Garnishment in Florida?

A Florida writ of garnishment is a collection tool that helps a judgment creditor collect a money judgment against a debtor. The writ of garnishment enables the judgment creditor to intercept money owed to the judgment debtor by third parties.

A typical debtor is owed money from several third parties. Debts owed to the debtor include, for example, wages and salary owed by the debtor’s employer, checking and savings accounts, rental income, and money held in the trust account of the debtor’s attorney.

Checking accounts are “debts” because they are demand accounts; the financial institution owes money on deposit to the debtor upon demand.

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Florida Garnishment Law and Statute

Garnishments are allowed and regulated by Chapter 77 of Florida statutes. These laws set forth procedures, rules, and defenses of garnishments.

Creditors must comply strictly with all garnishment statutes including properly completing and mailing legal papers and complying with several time deadlines. The debtor may dissolve a writ of garnishment if there is a procedural defect in the creditor’s prosecution of the writ. It is important for both creditors and debtors to understand Florida’s detailed garnishment procedures.

Florida Garnishment Rules and Procedures

A key section of Florida garnishment law that includes the procedural deadlines for the creditor and allows a judgment debtor to contest the garnishment is section 77.041. The statute provides that a creditor seeking to garnish a debtor’s funds begins the garnishment process by filing a short motion with the court (“Motion for Writ of Garnishment”) and paying fees and deposits to the clerk of court. The clerk then issues the writ.

The judgment creditor is not required to seek a judge’s permission or court order. Next, the creditor serves the writ upon the garnishee. The garnishee is the person or company that owes the judgment debtor money (for example, the debtor’s employer, bank, stock broker etc.).

Florida garnishment law requires the creditor to provide the debtor with a copy of the creditor’s motion, a copy of the Writ of Garnishment issued by the Clerk of Court, and a Claim of Exemption form within five days of clerk’s issuance of the Writ, or within three days of service onto the garnishee, whichever is later.

Garnishee Response to Writ of Garnishment

The garnishee (such as a bank) is required to file an answer to the garnishment within 20 days. The garnishee’s answer states whether or not the garnishee holds any property or money belonging to the debtor. Within five days after service of the answer the creditor must provide the debtor with a copy of the garnishee’s answer and a notice that the debtor has 20 days to move for a dissolution of the garnishment.

Sometimes, the judgment creditor does not believe the garnishee’s answer. For example, the answer may state that the garnishee is not indebted to the debtor or holds no property of the debtor, and the creditor believes otherwise. In that event, the creditor may challenge the garnishee’s answer to the Writ by filing a reply denying, or traversing, the garnishee answer. The court will set the matter for a hearing to determine whether the garnishee’s answer is factually correct.

Florida writ of garnishment

Florida Garnishment Exemptions

Florida law exempts several types of debtor assets from writs of garnishment. Examples of Florida garnishment exemptions include, a head of household exemption applicable to a wage garnishment or an exemption to garnishment of a bank account holding retirement distribution proceeds.

The garnishment statute includes procedures for a judgment debtor to claim his garnishment exemptions. The debtor must strictly follow these exemption procedures to defend against a writ of garnishment of exempt money.

When the judgment debtor believes garnished property is legally exempt from collection, the debtor can file with the court a claim of exemption. The filed claim of exemption may include an explanation or substantiation of the exemption. The garnishing creditor then has three days from the date the debtor serves the claim of exemption by hand delivery or fax, and eight days if served by mail, to contest the debtor’s claim of exemption. Florida law provides that the creditor’s objection to the debtor’s claim of garnishment exemptions must be based on facts asserted under oath.

In many cases, a creditor will voluntarily dissolve a garnishment upon receiving the debtor’s claim of exemption and documents from the debtor confirming the factual basis for the exemption. If the creditor contests the debtor’s claimed exemption the court will set an evidentiary hearing to consider the debtor’s the claim of exemption. The debtor can expedite the hearing by scheduling a hearing time in coordination with the judge’s office and the creditor attorney. At this hearing, the debtor will have to present legal argument and competent evidence supporting his exemption claim.

The key thing to understand is that Florida garnishment exemptions are not automatic. If a debtor believes his exempt asset has been garnished the debtor must timely file a claim of exemption.

Often, a creditor’s writ of garnishment suffers from procedural defects because the creditor did not strictly follow statutory rules of garnishment. The debtor can file a motion to dismiss, or dissolve, the writ of garnishment based upon the procedural defects in the creditor’s garnishment.

Bank Account Garnishment in Florida

Bank accounts are a prime target of creditor writs of garnishments in Florida. Upon a bank’s receipt of a garnishment writ the bank will automatically freeze all bank accounts where the debtor’s name appears on the title of the account. Debtor bank accounts can contain exempt money such as retirement distributions, annuity distributions, or head of household wages.

Often, a debtor finds that exempt money held in a bank account is frozen by a judgment creditor’s writ of garnishment. This happens because creditors garnish banks, not bank accounts. A creditor may, without penalty, serve a writ of garnishment on any bank where the debtor maintains an account, even if a court later determines that one or more debtor accounts contain exempt funds.

Under Florida law a debtor cannot hold a bank liable for damages because the garnishee bank froze an account holding money exempt from garnishment. The debtor must obtain a court order upholding the exemption and dissolving the garnishment.

What to Do Next

Schedule a consultation to go through your assets and income and determine what is at risk of collection from a judgment creditor. We’ll tell you how to protect any exposed assets and answer any questions you have. We’ll make sure to go over any current garnishment and what you can do about it.

Page last updated on February 19, 2021

26 thoughts on “Florida Writ of Garnishment”

  1. Matt Labitzke

    If I filed a motion to dissolve garnishment and asserted my head of household exemption do I need to also fill out and file the claim of exemption form?

      1. Long story short, I did not receive the original notice for writ of garnishment-i had moved, so they did not have my address. Judgement was granted, credit garnished my wages. At this point my employer has withheld more than enough to cover the judgement. What do I need to do to get the money from my employer to the creditor so my employer can stop the continuing withholding of my paycheck? Thanks for any advice here.

        1. The garnishment may be for more than the original judgment because of interest. You may have to discuss with creditor or your employer. If you’d like for us to take a look and advise what to do please contact our office to schedule an appointment.

      1. If a wage garnishment is withdrawn because the debtor’s wages were already being garnished to the maximum extent allowed by law, is it appropriate for that same judgment creditor to then garnish the bank account into which the protected wages are deposited?

  2. If my wages were being garnished by a creditor and due to covid 19 I am not working can the creditors still freeze my bank account if the judgment was for my wages?

  3. Extension of the Judgment Lien. The recording of a certified copy of a judgment creates a lien upon real property in the county of recordation for “an initial period of 10 years from the date of recording.”16 The initial period of 10 years may be extended for an additional period of 10 years, by rerecording a certified copy of the judgment prior to the running of the 10-year period together with an affidavit containing the current address of the lienholder.17 In Florida “no judgment, order, or decree of any court shall be a lien upon real or personal property within the state after the expiration of 20 years from the date of the entry of such judgment.”18 In order to retain a lien for the maximum period of 20 years, the certified copy of the judgment must be recorded simultaneously with the entry of the judgment.

    What if Garnisher originally obtained judgement on June 1, 2010, but filed continuance of Writ of Garnishment on June 24, 2020…….that is after 10 years, could a motion be filed to dismiss based on procedure

    1. Garnishments can be obtained at any time during the 20 year life of the judgment. If you want us to take a look at your specific situation, please call us to schedule an appointment.

  4. How long does a creditor have to answer a claim of exemption and request for hearing or a motion to dissolve garnishment? If they do not, does it automatically go in my favor or do I still have to wait for a hearing? I filed the motion first then the claim of exemption 5 days later.

    My wife and I make equal wages however I get VA benefits Thus make more and provide more than half the expenses for a minor dependent child. What would I need to bring to the hearing other than paystubs and va disability letter?

  5. I received a Notice of 77.055 Service (Florida) in the body of this notice it says must move to dissolve the writ of garnishment with in 20 days on the certificate of service?

    what does that mean?

    1. That is the statutory notice given after a garnishee answer. As to what to do we would have to discuss in a consultation so we can review your specific situation and how to respond.

  6. I claimed head of household exemption and Judge agreed. How long does the plaintiff have to send the paperwork to dissolve the writ of garnishment to my employer?

  7. If my employer received a writ of garnishment in my name but I am a 1099 and paid to my corporation would my employer still have to vanish my wages?

  8. Hello. I received writ of garnishment in Florida. I responded for a hearing then a few weeks after I received a letter of notice of dissolving writ of garnishment because the plaintiff didn’t timely file an objection. Can they file another writ of garnishment on me?

  9. Matthew Patterson

    If a debtor has child support and / or other funds deposited into the account with wages is that available for garnishment if they filed for the head of household exemption? What if they never signed the agreement?

  10. I’m really confused with the legalities of this because I’ve never been through this before. My wages are garnished, I filed an exemption, then a few weeks later I got a writ of garnishment dissolution letter. I don’t know how to respond to this but I do have a hearing date. Should I wait for the hearing and explain my situation then? (Hopefully the judge explain what I need to do)

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