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Gov. Walz Suspends Garnishments

Governor Tim Walz just issued an executive order halting any garnishment of bank accounts or wages for consumer debts. Violators are subject to a $25,000 penalty. There is an exception for child support.   Also, consistent with what we…
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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…

How do I cancel automatic withdrawals (ACH) from my bank account?

Many times a client who comes to us has agreed to permit a creditor to withdraw money on a monthly basis from their bank account. Once we file your bankruptcy, this should stop. If you need time to file your case, then we want to stop that pending…
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What is a "Garnishment Exemption Notice and Notice of Intent to Garnish Earnings?"

If you've been served one of these (Garnishment Summons), it means you've probably come to the end of the collections cycle where you need to do something about it. There is a Judgment against you, so rule #1 is to keep your money out of the…

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…