No answer on this forum will help you, no matter how well-intentioned. Hire a lawyer as soon as possible to unravel this. Good luck!
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The creditor obtained a judgment against your husband some time ago. That allows them to garnish. A bankruptcy will discharge the judgment and stop the garnishment. Good luck.
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If you were to file bankruptcy, it would stop the garnishments and the debt would be discharged. Another option to stop the wage garnishment is to file a claim of exemption with the court. Creditors cannot garnish wages of a debtor who is head of household in Florida. A hearing will be held on the exemption claim and if the judge agrees with you, the creditor will no longer be able to garnish your wages.
Any information submitted by this attorney on Avvo.com is not intended to be communicated as legal advice. All information provided is general and intended for information purposes only. For detailed legal advice regarding your loan modification, foreclosure, and/or bankruptcy needs, please schedule an appointment with the attorney.