Florida Wage Garnishment Calculator
In Florida a head of family — anyone providing more than half the support of a child or other dependent — is fully protected unless they signed a separate written waiver; everyone else gets the federal limit.
Same paycheck, two households
A Tampa server paid $1,900.00 every two weeks keeps $1,670.00 after withholding. Without dependents, the federal limit lets a creditor garnish $417.50. If the same server provides more than half the support of a child, Florida exempts the entire check — $0.00 garnishable — unless a separate written waiver was signed.
The head-of-family exemption
All of the disposable earnings of a head of family whose disposable earnings are less than or equal to $750 a week are exempt from attachment or garnishment. … Disposable earnings of a head of a family, which are greater than $750 a week, may not be attached or garnished unless such person has agreed otherwise in writing.
Waivers, bank deposits and proof
- "Head of family" means a person providing more than one-half of the support for a child or other dependent; marriage is not required.§1
- A valid waiver must be a separate document in at least 14-point type, in the same language as the contract, signed by you and the creditor.§1
- Even with a signed waiver, garnishment cannot exceed the federal Consumer Credit Protection Act limit.§1
- Exempt wages deposited in a bank stay exempt for six months if they can be traced; mixing them with other money does not by itself defeat tracing.§1
- Whether the first $750 a week stays protected after a waiver is not spelled out in the statute; this calculator applies the federal limit to the whole check in that case.§1