I have a federal judgment against me for 'educational debt' in the amount of 115,000 usd. It was originally an ROTC Scholarship which they demanded recoupment on, it went into default, and then they got a judgment on it around 2004. It is now being pursued by a law firm in Miami (working for the DOJ / Southern District Federal Court) to collect this. I make $62K per year (have tax returns to prove it), and have a wife (does not work, makes no income) and a five year old son. I have NO real property. I rent. No stocks. Nothing. I live paycheck to paycheck. If they file a writ of garnishment against me (with my employer), and I file Florida Head of Household, will it protect me from this type of creditor/debt (stop them from garnishing). Need a clear cut answer. Opinions seem to differ.