Florida does have some debtor protections that are not available in other states, but that does not totally curtail a creditor’s ability to collect. For instance, Florida’s homestead protection disallows the forced sale of a debtor’s homestead real property in many circumstances. But other real property owned by the debtor will not be similarly protected. Certain life insurance policies, annuities and retirement accounts are also protected from creditor claims in Florida. Wage garnishments are often claimed as exempt by a debtor, and Florida does contain an exemption for wage garnishments for the “head of household” unless the debtor has waived that exemption in writing. Finally, Florida and some other states recognizes a special form of property ownership for married couples called “tenancy by the entireties.” Property that is owned by a couple as tenants by the entireties will not be subject to claims of creditors unless both the husband and the wife are liable for the debt. So, overall, Florida does provide some protections to debtors that are not provided for in other states. Creditors do still have several collection tools at their disposal, though, and collections do still regularly occur in Florida.