Hey, I live in FL, want you to quote the code that governs your statement. I am not married but provide for both my girlfriend (not currently working) and 6yr old. I take home more than $500/wk, but would never have agreed to a wage garnishment. Threats from a creditor about garnishing my wages due to a student loan have me wanting to file BK, but if it can't be discharged what's the point? They don't have a judgement either, but claim the law allows them to just file a garnishment order with my employer and they must comply. Why is this? What law gives them this right w/o a hearing or oppty to dispute? And how to I prevent their garnishment using Head of Household exemption?

