Debt has been crushing the American population for several decades. It has reached a point where Americans have trouble paying it back, so some stop trying altogether. Creditors, though, need to recoup some of their losses. One tool at their disposal is wage garnishment. Individuals who have been hit with the garnishment of their wages are not completely out of solutions. Here are some things that can be tried in Florida.

Wage garnishment falls under bankruptcy law. It is a tool that was set up to help creditors. The process gets the employer involved as well as the sheriff. Once the wages start being garnished, individuals can still defend themselves. An individual can negotiate with their creditor. Remember, creditors are trying to recoup as much money as possible. Individuals can also challenge the garnishment.

To challenge the garnishment, an individual has to be on top of the mail they receive:

• As soon as notification of the action is sent, the individual has to file the challenge in as little as five days.
• Every state’s bankruptcy law varies, so it is best to move quickly.
• Individuals who want to challenge the garnishment can also help themselves by putting some legal firepower behind them.

It helps to hire a legal professional who is well-versed in this area because they already know the ins and outs of these cases thanks to prior experience. This is especially true if you have to resort to bankruptcy in order to stop the garnishment of wages. This may sound like an extreme step, but to help your personal finances, it may be the only viable solution. In 2013, four million Americans found their wages were being garnished. The average income bracket was $15,000 and $40,000. So, sometimes using legal help is the best way to keep yourself above water.