Does Consumer Credit Protection Act wording - 15 USC § 1677 - Effect on State laws mean that State garnishment laws MUST prevail
Orlando, FL |
It seems to indicate so on the dol.gov website in the CCPA. Here is the specific URL to it http://www.dol.gov/compliance/guide/garnish.htm It even says on this page, "If a state wage garnishment law differs from Title III, the employer must observe the law resulting in the smaller garnishment"
So logically, if I have a judgment against me for federal educational debt (student loans - but NOT TAXES - which are the only two debts that the CCPA lists as excluded in its scope of coverage),... if I have a judgment against me here in FL, and FL garnishment law allows me to claim head of household exemption to be 100% exempt from wage garnishment, then does this mean the judgment creditor (US Govt) is bound to uphold its own Federal CCPA law, which says it MUST observe state law's protection?