Posts

Judgments no longer being reported on credit report

The three major credit bureaus recently decided to stop reporting judgments on credit reports. This is due, in part, to the difficulty in providing accurate information. It is easy for them to gather the information when a judgment is docketed,…

My driver’s license has been suspended due to a judgment. How can I get it back?

Everybody knows that under Minnesota law, you need to have insurance on your car, and that driving without insurance can result in criminal citations. One of the remedies that not a lot of people understand, is that if you cause an accident…
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How much can a creditor garnish in Minnesota?

Typically a creditor can garnish 25% of your wages. If you are already paying child support, that would typically count against the 25%, so sometimes a child support obligor can be exempt from wage garnishment by a private judgment creditor.…
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Filing Fees for Removing State Court Judgments After a Bankruptcy Changed Back to Five Dollars

One of the bills that did get passed by the 2015 regular legislative session, is correcting a somewhat controversial fee-grabbing stunt by the state court administrator, returning the status quo for post-bankruptcy state court judgment release. After…
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Will my debts come off my credit report after bankruptcy?

After your bankruptcy discharge goes through, your creditors may still appear on your credit report, although sometimes they come off of your credit report or weren’t on there in the first place. And they will go away once they are 10 years…
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What is a “Garnishment Summons and Disclosure Notice and Exemption Form”

This means that your creditor has served a writ of execution on your bank, and unless the funds are Social Security, in which case the bank is permitted to disregard this pursuant to treasury regulations, the bank will put a freeze on your account,…
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What is a “Demand for Disclosure and Disclosure Form?”

This means that you have gotten to the end of the collection cycle, and the creditor has a judgment and wants to know what your assets are, including where you bank, and what your income is, including the name of your employer. This might come…
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Can my Spouse’s Judgment Creditor Levy on Funds in Our Joint Account?

Yes, but you if you can prove that the most recent source of funds is your earnings, they will have to give it back. This can be fairly complicated, and they can keep levying on your bank account. The safer course of action would be for you…

If I file chapter 7 or 13 will this stop the judgments that have been filed against me by creditors?

A bankruptcy filing stops collection, and the discharge makes judgments void, but they will stay on your credit report for 10 years from when the judgment was entered.  There is an additional procedure you can go through under state law, after…