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Home/Attorneys/Jo-Anne Herina Jeffreys, Esq.
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- Attorneys in Naples, | CGMIMM

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500 5th Avenue South, Naples, FL, 34102

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500 5th Avenue South
Naples, FL 34102
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Past results do not guarantee future outcomes. Communications do not establish an attorney-client relationship.

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Wage Garnishment Defense in Florida
Florida wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in Florida
Florida consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in Florida
Florida student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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