{"id":636,"date":"2026-05-29T17:07:11","date_gmt":"2026-05-29T17:07:11","guid":{"rendered":"https:\/\/miamimovershub.com\/?p=636"},"modified":"2026-05-29T17:07:11","modified_gmt":"2026-05-29T17:07:11","slug":"consumer-debt-debt-collection-and-garnishments-hurt-low-income-families","status":"publish","type":"post","link":"https:\/\/miamimovershub.com\/?p=636","title":{"rendered":"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families"},"content":{"rendered":"
\n
\n
\"\"<\/figure>\n<\/div>\n\n

A Snapshot of Consumer Debt<\/b><\/p>\n

Credit card debt in the United States was over $1.2 trillion in late 2025.\u00a0 The average person owed about $6,523.00 on credit cards, with an average interest rate of 22.83%.\u00a0 If someone pays $150 a month on that $6,523 balance at 22.38% interest, they will pay $7,688 in interest alone.\u00a0 It will take about 95 months (nearly 8 years!) to pay off the whole card.\u00a0<\/span><\/p>

Read more June 1, 2026<\/a><\/p>\n

Debt often does <\/span>not<\/span> just come from careless spending. Many people state their credit card debt comes from emergencies or unplanned expenses, like car repairs, medical bills, home repairs, or other stressful life events such as death of a family member. Low-income individuals and families are hit harder when this happens because they often do not have savings. They must rely on credit.\u00a0 And when debt gets too high, many people are sued.\u00a0\u00a0<\/span><\/p>\n

Debt Collection: What Happens When You Stop Paying\u00a0\u00a0<\/b><\/p>\n

When someone stops paying their consumer debt, they can be sued by the original creditor (or by a company that bought the debt). The person must be served personally with the lawsuit before the court can hear the case.\u00a0 The person can defend the lawsuit or try to work it out with the creditor.\u00a0 Defenses, if any, will depend on the person\u2019s situation. If the court decides the creditor proved its case, the court will enter a final judgment against the person, that can include the debt amount and attorney\u2019s fees. In Florida, money judgments last for 20 years and can grow over that time because of interest.\u00a0 Creditors can try to collect by taking money from a person\u2019s bank account or paychecks, called \u201cgarnishments.\u201d Or they can try to take a person\u2019s other property.\u00a0 However, some income and property are protected from collection.\u00a0 The person must tell the court on time if they want to use those protections.\u00a0<\/span><\/p>

Read more Miami-Dade County Tax Collector Dariel Fernandez Announces over 4,000 Disabled Parking Permit Canceled<\/a><\/p>\n

Legal Services of Greater Miami <\/b>(Legal Services) helps people who are sued or who have money judgments against them for unpaid consumer debt, like credit cards, medical bills, personal loans and car loan deficiencies. The organization represents individuals in court cases, negotiates payment plans and settlements with creditors, and defends people against wage and bank garnishments.\u00a0 Legal Services also helps people in Chapter 7 bankruptcy cases to wipe out consumer debt, especially when people risk serious harm from garnishments.\u00a0 If you are overwhelmed by debt or are being sued for consumer debt, you can get free help and learn about your rights from Legal Services. Anyone who needs help can apply online at <\/span>www.legalservicesmiami.org<\/b> or call the office at <\/span>305-576-0080<\/b>.\u00a0 <\/span><\/p>

Read more Broward News: Flamingo Gardens to Welcome Two Orphaned American Black Bear Cubs<\/a><\/p>\n\n

\n<\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"

A Snapshot of Consumer Debt Credit card debt in the United States was over $1.2 trillion in late 2025. The average person owed about $6,523.00 on credit cards, with an average interest rate of 22.83%. If someone pays $150 a month on that $6,523 balance at 22.38% interest, they will pay $7,688 in interest alone.<\/p>\n","protected":false},"author":1,"featured_media":635,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[116],"tags":[117,23],"class_list":["post-636","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-law-firm","tag-law-firm","tag-miami-dade-community-news"],"yoast_head":"\nConsumer Debt: Debt Collection and Garnishments Hurt Low-Income Families - Miami Movers Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/miamimovershub.com\/?p=636\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families - Miami Movers Hub\" \/>\n<meta property=\"og:description\" content=\"A Snapshot of Consumer Debt Credit card debt in the United States was over $1.2 trillion in late 2025. The average person owed about $6,523.00 on credit cards, with an average interest rate of 22.83%. If someone pays $150 a month on that $6,523 balance at 22.38% interest, they will pay $7,688 in interest alone.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/miamimovershub.com\/?p=636\" \/>\n<meta property=\"og:site_name\" content=\"Miami Movers Hub\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-29T17:07:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/miamimovershub.com\/wp-content\/uploads\/2026\/05\/74757e12fc09c82aa3203b14dcf1b401.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"540\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/#\\\/schema\\\/person\\\/31b5994caca03389f0086142e505b967\"},\"headline\":\"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families\",\"datePublished\":\"2026-05-29T17:07:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636\"},\"wordCount\":465,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/miamimovershub.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/74757e12fc09c82aa3203b14dcf1b401.jpg\",\"keywords\":[\"Law Firm\",\"Miami-Dade Community News\"],\"articleSection\":[\"Law Firm\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/miamimovershub.com\\\/?p=636#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636\",\"url\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636\",\"name\":\"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families - Miami Movers Hub\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/miamimovershub.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/74757e12fc09c82aa3203b14dcf1b401.jpg\",\"datePublished\":\"2026-05-29T17:07:11+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/#\\\/schema\\\/person\\\/31b5994caca03389f0086142e505b967\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/miamimovershub.com\\\/?p=636\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636#primaryimage\",\"url\":\"https:\\\/\\\/miamimovershub.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/74757e12fc09c82aa3203b14dcf1b401.jpg\",\"contentUrl\":\"https:\\\/\\\/miamimovershub.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/74757e12fc09c82aa3203b14dcf1b401.jpg\",\"width\":960,\"height\":540},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/?p=636#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/miamimovershub.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/#website\",\"url\":\"https:\\\/\\\/miamimovershub.com\\\/\",\"name\":\"Miami Movers Hub\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/miamimovershub.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/miamimovershub.com\\\/#\\\/schema\\\/person\\\/31b5994caca03389f0086142e505b967\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"http:\\\/\\\/miamimovershub.com\"],\"url\":\"https:\\\/\\\/miamimovershub.com\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families - Miami Movers Hub","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/miamimovershub.com\/?p=636","og_locale":"en_US","og_type":"article","og_title":"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families - Miami Movers Hub","og_description":"A Snapshot of Consumer Debt Credit card debt in the United States was over $1.2 trillion in late 2025. The average person owed about $6,523.00 on credit cards, with an average interest rate of 22.83%. If someone pays $150 a month on that $6,523 balance at 22.38% interest, they will pay $7,688 in interest alone.","og_url":"https:\/\/miamimovershub.com\/?p=636","og_site_name":"Miami Movers Hub","article_published_time":"2026-05-29T17:07:11+00:00","og_image":[{"width":960,"height":540,"url":"https:\/\/miamimovershub.com\/wp-content\/uploads\/2026\/05\/74757e12fc09c82aa3203b14dcf1b401.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/miamimovershub.com\/?p=636#article","isPartOf":{"@id":"https:\/\/miamimovershub.com\/?p=636"},"author":{"name":"admin","@id":"https:\/\/miamimovershub.com\/#\/schema\/person\/31b5994caca03389f0086142e505b967"},"headline":"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families","datePublished":"2026-05-29T17:07:11+00:00","mainEntityOfPage":{"@id":"https:\/\/miamimovershub.com\/?p=636"},"wordCount":465,"commentCount":0,"image":{"@id":"https:\/\/miamimovershub.com\/?p=636#primaryimage"},"thumbnailUrl":"https:\/\/miamimovershub.com\/wp-content\/uploads\/2026\/05\/74757e12fc09c82aa3203b14dcf1b401.jpg","keywords":["Law Firm","Miami-Dade Community News"],"articleSection":["Law Firm"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/miamimovershub.com\/?p=636#respond"]}]},{"@type":"WebPage","@id":"https:\/\/miamimovershub.com\/?p=636","url":"https:\/\/miamimovershub.com\/?p=636","name":"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families - Miami Movers Hub","isPartOf":{"@id":"https:\/\/miamimovershub.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/miamimovershub.com\/?p=636#primaryimage"},"image":{"@id":"https:\/\/miamimovershub.com\/?p=636#primaryimage"},"thumbnailUrl":"https:\/\/miamimovershub.com\/wp-content\/uploads\/2026\/05\/74757e12fc09c82aa3203b14dcf1b401.jpg","datePublished":"2026-05-29T17:07:11+00:00","author":{"@id":"https:\/\/miamimovershub.com\/#\/schema\/person\/31b5994caca03389f0086142e505b967"},"breadcrumb":{"@id":"https:\/\/miamimovershub.com\/?p=636#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/miamimovershub.com\/?p=636"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/miamimovershub.com\/?p=636#primaryimage","url":"https:\/\/miamimovershub.com\/wp-content\/uploads\/2026\/05\/74757e12fc09c82aa3203b14dcf1b401.jpg","contentUrl":"https:\/\/miamimovershub.com\/wp-content\/uploads\/2026\/05\/74757e12fc09c82aa3203b14dcf1b401.jpg","width":960,"height":540},{"@type":"BreadcrumbList","@id":"https:\/\/miamimovershub.com\/?p=636#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/miamimovershub.com\/"},{"@type":"ListItem","position":2,"name":"Consumer Debt: Debt Collection and Garnishments Hurt Low-Income Families"}]},{"@type":"WebSite","@id":"https:\/\/miamimovershub.com\/#website","url":"https:\/\/miamimovershub.com\/","name":"Miami Movers Hub","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/miamimovershub.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/miamimovershub.com\/#\/schema\/person\/31b5994caca03389f0086142e505b967","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","caption":"admin"},"sameAs":["http:\/\/miamimovershub.com"],"url":"https:\/\/miamimovershub.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/miamimovershub.com\/index.php?rest_route=\/wp\/v2\/posts\/636","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/miamimovershub.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/miamimovershub.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/miamimovershub.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/miamimovershub.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=636"}],"version-history":[{"count":0,"href":"https:\/\/miamimovershub.com\/index.php?rest_route=\/wp\/v2\/posts\/636\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/miamimovershub.com\/index.php?rest_route=\/wp\/v2\/media\/635"}],"wp:attachment":[{"href":"https:\/\/miamimovershub.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=636"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/miamimovershub.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=636"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/miamimovershub.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=636"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}