AB576,16,2121 To the debtor:
AB576,17,222 The creditor was awarded a judgment against you or your spouse by.... (County
23Circuit or Federal District) Court on the.... day of...., 19.. That judgment not having
24been fully paid, the creditor has now filed a garnishment proceeding against your

1earnings from the garnishee. This means that the creditor is seeking to take some
2of your earnings to satisfy part or all of the judgment against you or your spouse.
AB576,17,33 The total amount of the creditor's claim is as follows:
AB576,17,44 Unpaid balance on judgment $....
AB576,17,55 Unpaid postjudgment interest $....
AB576,17,66 Costs:
AB576,17,77 a. Garnishment filing fee $....
AB576,17,88 b. Garnishee fee $....
AB576,17,99 c. Service of process (estimate) $....
AB576,17,1010 TOTAL $....
AB576,17,1311 By law, you are entitled to an exemption of not less than 80% of your disposable
12earnings. Your "disposable earnings" are those remaining after social security and
13federal and state income taxes are withheld.
AB576,17,1414 Your earnings are completely exempt from garnishment if:
AB576,17,1715 1. Your household income is below the federal poverty level, or this
16garnishment would cause that to happen. See the enclosed schedules and worksheet
17to determine if you qualify for this exemption.
AB576,17,2318 2. You receive aid to families with dependent children, relief funded by a relief
19block grant under ch. 49, relief provided by counties under section 59.07 (154) of the
20Wisconsin Statutes, medical assistance, temporary assistance under section 49.176
2149.78 of the Wisconsin Statutes, supplemental security income, food stamps, or
22veterans benefits based on need under USC 501 to 562 or section 45.351 (1) of the
23Wisconsin Statutes, or have received these benefits within the past 6 months.
AB576,17,2524 3. At least 25% of your disposable earnings are assigned by court order for
25support.
AB576,18,3
1If you qualify for a complete exemption, you must give or mail a copy of the
2enclosed debtor's answer form to the garnishee in order to receive that increased
3exemption.
AB576,18,54 If your circumstances change while the garnishment is in effect, you may file
5a new answer at any time.
AB576,18,96 If you do not qualify for a complete exemption, but you will not be able to acquire
7the necessities of life for yourself and your dependents if your earnings are reduced
8by this earnings garnishment, you may ask the court in which this earnings
9garnishment was filed to increase your exemption or grant you other relief.
AB576,18,1110 IF YOU NEED ASSISTANCE
11 CONSULT AN ATTORNEY
AB576,18,1712 If you have earnings that are being garnisheed that are exempt or subject to a
13defense, the sooner you file your answer or seek relief from the court, the sooner such
14relief can be provided. This earnings garnishment affects your earnings in pay
15periods beginning within 13 weeks after it was served on the garnishee. You may
16agree in writing with the creditor to extend it for additional 13-week periods until
17the debt is paid.
AB576,18,1818 PENALTIES
AB576,18,2119 If you wrongly claim an exemption or defense in bad faith, or if the creditor
20wrongly objects to your claim in bad faith, the court may order the person who acted
21in bad faith to pay court costs, actual damages and reasonable attorney fees.
AB576, s. 21 22Section 21 . 812.44 (5) of the statutes, as affected by 1995 Wisconsin Act 27,
23is amended to read:
AB576,18,2524 812.44 (5) The debtor's answer form under s. 812.37 shall be in substantially
25the following form:
AB576,19,1
1STATE OF WISCONSIN
AB576,19,22 CIRCUIT COURT:.... County
AB576,19,44 A.B., Creditor
AB576,19,55 vs. File or Reference Number....
AB576,19,66 C.D., Debtor EARNINGS GARNISHMENT
AB576,19,77 and DEBTOR'S ANSWER
AB576,19,88 E.F., Garnishee
AB576,19,1010 To the garnishee:
AB576,19,1111 My earnings are COMPLETELY EXEMPT from earnings garnishment because:
AB576,19,1212 ... 1. The judgment has been paid or is void.
AB576,19,1813 ... 2. I receive, am eligible for, or have within 6 months received, aid to families with
14dependent children, relief funded by a relief block grant under ch. 49, relief provided
15by counties under section 59.07 (154) of the Wisconsin Statutes, medical assistance,
16temporary assistance under section 49.176 of the Wisconsin Statutes, supplemental
17security income, food stamps, or veterans benefits based on need under 38 USC 501
18to 562 or section 45.351 (1) of the Wisconsin Statutes.
AB576,19,1919 ... 3. At least 25% of my disposable earnings are assigned for support by court order.
AB576,19,2120 ... 4. My household income is less than the poverty line, or this garnishment would
21cause that to happen.
AB576,19,2222 ... 5. I have another defense to this earnings garnishment (explain briefly).
AB576,20,2
1I understand that if I claim a complete exemption or defense in bad faith, I may
2be held liable to the creditor for actual damages, costs and reasonable attorney fees.
AB576,20,33 DATE .... Signature of Debtor ....
AB576,20,44 Address ....
AB576,20,55 Telephone Number ....
AB576,20,66 Date Received by Garnishee ....
AB576, s. 22 7Section 22 . 812.44 (5) of the statutes, as affected by 1995 Wisconsin Acts 27
8and .... (this act), is amended to read:
AB576,20,109 812.44 (5) The debtor's answer form under s. 812.37 shall be in substantially
10the following form:
AB576,20,1111 STATE OF WISCONSIN
AB576,20,1212 CIRCUIT COURT:.... County
AB576,20,1414 A.B., Creditor
AB576,20,1515 vs. File or Reference Number....
AB576,20,1616 C.D., Debtor EARNINGS GARNISHMENT
AB576,20,1717 and DEBTOR'S ANSWER
AB576,20,1818 E.F., Garnishee
AB576,20,2020 To the garnishee:
AB576,20,2121 My earnings are COMPLETELY EXEMPT from earnings garnishment because:
AB576,20,2222 ... 1. The judgment has been paid or is void.
AB576,21,323 ... 2. I receive, am eligible for, or have within 6 months received, aid to families with
24dependent children, relief funded by a relief block grant under ch. 49, relief provided
25by counties under section 59.07 (154) of the Wisconsin Statutes, medical assistance,

1temporary assistance under section 49.176 49.78 of the Wisconsin Statutes,
2supplemental security income, food stamps, or veterans benefits based on need
3under 38 USC 501 to 562 or section 45.351 (1) of the Wisconsin Statutes.
AB576,21,44 ... 3. At least 25% of my disposable earnings are assigned for support by court order.
AB576,21,65 ... 4. My household income is less than the poverty line, or this garnishment would
6cause that to happen.
AB576,21,77 ... 5. I have another defense to this earnings garnishment (explain briefly).
AB576,21,1110 I understand that if I claim a complete exemption or defense in bad faith, I may
11be held liable to the creditor for actual damages, costs and reasonable attorney fees.
AB576,21,1212 DATE .... Signature of Debtor ....
AB576,21,1313 Address ....
AB576,21,1414 Telephone Number ....
AB576,21,1515 Date Received by Garnishee ....
AB576, s. 23 16Section 23 . 814.29 (1) (d) 1. of the statutes, as affected by 1995 Wisconsin Act
1727
, is amended to read:
AB576,21,2318 814.29 (1) (d) 1. That the person is a recipient of means-tested public
19assistance, including aid to families with dependent children, relief funded by a relief
20block grant under ch. 49, relief provided by counties under s. 59.07 (154), medical
21assistance, relief provided by counties under s. 49.176, supplemental security
22income, food stamps or benefits received by veterans under s. 45.351 (1) or under 38
23USC 501
to 562.
AB576, s. 24 24Section 24 . 814.29 (1) (d) 1. of the statutes, as affected by 1995 Wisconsin Acts
2527 and .... (this act), is amended to read:
AB576,22,6
1814.29 (1) (d) 1. That the person is a recipient of means-tested public
2assistance, including aid to families with dependent children, relief funded by a relief
3block grant under ch. 49, relief provided by counties under s. 59.07 (154), medical
4assistance, relief provided by counties under s. 49.176 49.78, supplemental security
5income, food stamps or benefits received by veterans under s. 45.351 (1) or under 38
6USC 501
to 562.
AB576, s. 25 7Section 25. 1995 Wisconsin Act 27, sections 2939 and 2940 are repealed.
AB576, s. 26 8Section 26. 1995 Wisconsin Act 27, sections 3143 and 3144 are repealed.
AB576, s. 27 9Section 27. 1995 Wisconsin Act 27, section 9426 (13) (a) is amended to read:
AB576,23,1010[1995 Wisconsin Act 27] Section 9426 (13) Relief block grants and other
11county relief programs.
(a) The treatment of sections 16.20 (1) (fm) (by Section
12239f), 16.352 (5) (a) and (b), 20.435 (1) (bs), (bt) and (bu), 29.544 (3), 46.208, 46.21 (1)
13(d), 46.215 (1) (fm), 46.23 (2) (a), 46.254 (1) (by Section 2145), (2) (by Section 2148)
14and (3) (a) (by Section 2152), 49.01 (2), (2g), (3), (3m) (b), (5r), (8p), (9) and (10),
1549.015 (title), (1) (a) and (b) (intro.), 1., 2., 3., and 4., (2) (a) and (c), (3) (title) and (a)
16and (4), 49.02 (title), (1), (1e), (2), (2r), (4), (5) (title), (am), (ar), (b), (c), (cr), (cw), (d),
17(e) and (g), (6), (6c), (6g), (6r), (7), (7m), (8), (9), (10) (b) and (c), (11) and (12), 49.025,
1849.027, 49.029, 49.031, 49.035, 49.043, 49.046 (title), (1) (intro.), (a) and (b), (2), (3),
19(4) and (5), 49.047, 49.048, 49.049, 49.05, 49.055, 49.057, 49.06, 49.08 (by Section
202766), 49.083, 49.12 (title), (1), (2), (3), (4m) (intro.), (a) (by Section 2776) and (b), (5),
21(6), (7), (8), (9), (10) and (11), 49.123 (title), (1) and (2), 49.13 (title), (1), (2), (3) (intro.),
22(a) and (b), (4) and (5), 49.15 (2), 49.17 (2), 49.19 (16), 49.27 (4) (d) 2. b., 49.29 (title),
2349.30 (1) (intro.) (by Section 2921), 49.45 (2) (b) 4., (6y) (title) and (a) (by Section
242985e), (6z) (title) and (a) (intro.) and (11), 49.46 (2) (d), 49.50 (11), 49.51, 49.53 (4),
2549.90 (6), 59.07 (98), (109) and (154), 71.52 (6), 71.54 (2) (a) (intro.), 71.93 (1) (a) 3.

1(by Section 3427), 101.38 (1) (g) (by Section 3722), 118.17, 146.89 (3) (d) 1. and 4.,
2252.08 (3), 756.04 (2) (am) 1. f. (by Section 7073), 812.30 (9), 812.44 (4) and (5) and
3814.29 (1) (d) 1. of the statutes, the repeal of sections 46.22 (1) (b) 4., 49.002 (1), 49.01
4(5m), 49.015 (2) (b), 49.02 (1m), (3) and (6m), 49.032, 49.037, 49.053 and 142.07 (4)
5(a) of the statutes, the renumbering and amendment of sections 49.002 (2), 49.015
6(3) and 49.02 (10) (a) of the statutes, the amendment of sections 20.435 (4) (de),
746.032, 46.033 (1) (a), 46.22 (1) (b) 14., 49.41, 49.52 (1) (ad) 2., 49.53 (1m) and (2) (a),
849.65 (7) (c), 49.70 (2) and 632.72 (1g) (b) of the statutes, the creation of sections 49.01
9(7m) and 49.015 (1) of the statutes and Section 9326 (11), (12), (13), (14), (15), (16),
10(17), (18) and (19) of this act take effect on January 1, 1996.
AB576, s. 28 11Section 28. 1995 Wisconsin Act 27, section 9426 (14) is amended to read:
AB576,26,1012[1995 Wisconsin Act 27] Section 9426 (14) Transfer of certain public
13assistance programs to the department of industry, labor and human relations.

14The treatment of sections 13.101 (6) (a), 13.94 (4) (a) 1. and (b), 16.20 (1) (fm) (by
15Section 239h), 16.39 (3) and (4) (b), 16.54 (2) (b), 20.435 (1) (am), (e) (by Section 814)
16and (im), (3) (ma), (mb), (mc), (md), (na) and (nL), (4) (title), (a), (br), (cn), (cr), (dc),
17(dg), (dn), (ds), (i), (jb), (kx), (ky), (kz), (m), (ma), (mb), (mc), (md), (n), (na) and (nL)
18and (7) (b) and (ed), 20.445 (3) (br), (i), (m), (ma), (mb), (mc), (md), (n), (na) and (nL),
1920.505 (7) (km), 20.512 (1) (i), 38.28 (1m) (a) 1. (by Section 1812), 46.011 (intro.),
2046.03 (8), (18) (a), (20) (a) and (d), (23), (35) and (36), 46.031 (2g) (b), 46.032 (title),
2146.033 (title), (1) (intro.) and (b) and (2), 46.036 (1) (by Section 2051), 46.10 (2) (by
22Section 2055), 46.175, 46.18 (13), 46.206, 46.21 (2m) (c) and (7), 46.215 (1) (intro.),
23(d), (j), (L) and (n), (2) (b) and (3), 46.22 (1) (am), (b) (intro.), 1., 5., 6., 7., 8., 9., 10.,
2412., 13. and 15., (d) and (e) 1. and 2., (2) (b), (2g) (d) and (3m) (a) and (b) 12. and 17.
25b., 46.23 (3) (a), (am) 4., (c) and (e), (5) (b), (5m) (c), (6) (a) (intro.) and 3., (6m) (a) and

1(7), 46.252, 46.253 (title), (1), (2), (3), (4), (5), (6) and (7), 46.254 (title), (1) (by Section
22146), (2) (by Section 2149), (3) (intro.), (a) (by Section 2153), (b) to (e) and (f), (4)
3and (5), 46.27 (4) (c) 4., (5) (i) and (7) (am) (by Section 2224) and (c) 2., 46.275 (1m)
4(a) and (5) (b) 2., 46.277 (1m) (a), 46.278 (1m) (b), 46.30 (3) (a) 1. and (4) (a) and (cm),
546.32, 46.40 (2) (by Section 2281s), 46.45 (intro.), 46.75 (2) (a), 46.765 (2) (intro.),
646.77, 46.94, 46.985 (2) (a) 4., 48.06 (1) (b) and (4), 48.57 (3) (a) (intro.) and 3. and (b),
749.001 (1), (2), (3), (4) and (5m), 49.01 (intro), (1), (1m), (4), (5), (5g), (6), (6m), (7), (8g),
8(8j), (8m) and (8r), 49.085, 49.11, 49.125 (1), 49.133 (title), (1), (2), (3) and (5), 49.14
9(title), (1), (2), (3), (4) and (5), 49.15 (title), (1) and (3), 49.16 (title), (1), (2) and (3),
1049.17 (title), (1) and (3), 49.171 (title), (1), (2), (3) (intro.), (a) and (b) and (4), 49.172,
1149.173, 49.174, 49.175 (title), (1), (2), (3), (4) and (6), 49.178, 49.19 (10) (a) and (11)
12(a) 1. a. (intro.) (by Section 2865b) and (b) (intro.) (by Section 2865n), 49.191 (title),
1349.193 (2) (b) 2., (8) (bm) and (c), (9) and (10m), 49.195 (3), 49.197 (1m), (3) and (4),
1449.20 (3), 49.21 (title), 49.27 (2), (4) (g) 1. a. (by Section 2906) and c., (5) (c) 3. and
155. and (f), (6) (c) and (11) (c) and (g), 49.275, 49.30 (1) (intro.) (by Section 2922), 49.32
16(title), (1), (2), (6), (8), (9) (title) and (10) (title), 49.325, 49.33 (1) (intro.), (3) (title),
17(9) and (10), 49.34, 49.35, 49.43 (1), (3e), (10) and (10s), 49.45 (2) (a) 15., (3) (a), (5),
18(6m) (br) 1. and (h), (6u) (intro.) and (b) 2. and 2m., (6w) (intro.), (a) 2. and (b) 2. b.,
19(7) (d) 4., (34) and (40), 49.46 (1) (a) 4., (d) 4. and (e), 49.47 (4) (c) 1., 49.48 (title), (1),
20(1m), (2) and (3) (title), (a), (b), (c), (d) and (e), 49.483 (title), (1) and (2), 49.485 (title),
21(1), (2), (4), (5), (6), (7) (title), (a) 1., 2., 4. and 5. and (b) and (8), 49.487 (title), (1) and
22(2), 49.495, 49.496 (4) and (5), 49.50 (title), (2), (3), (4), (5), (6), (6e) (title) and (a), (6g),
23(6k) (a) and (b), (6n), (9) and (10), 49.52 (title), (1) (am), (b), (d), (dc), (f) and (g), (2),
24(4) and (5), 49.53 (title), (2) (b) and (c) and (3), 49.54, 49.65 (title), (1), (2), (4), (5), (6),
25(7) (title), (a), (b), (d) and (e), (8) and (9) (intro.), (a), (b) and (c), 49.66, 49.80 (title),

1(1), (2) (title), (a) and (b), (3) (intro.), (b), (c), (d) and (e) (intro.), 1., 3., 6. and 7., (4)
2(title), (a) and (b), (5) (intro.), (b), (c) and (d), (6), (7) and (8), 49.82 (title), 49.84 (2) and
3(5), 49.85 (2) (b), (3) (b) and (4) (b), 49.86, 49.89 (7) (bm) and (d) 2., 49.90 (1) (b), (2g)
4and (4), 49.95 (4m) (a), 50.03 (14) (b), 50.037 (3), 50.135 (1), 50.39 (3), 51.01 (14), 51.42
5(3) (e), 51.421 (1), 51.423 (5) (a) (intro.), 55.06 (8) (intro.), 59.07 (153) (a) and (b),
659.15 (2) (c), 71.05 (3), 71.26 (1) (e), 71.93 (1) (a) 3. (by Section 3428) and 4., 101.123
7(1) (b), 101.30, 101.38 (by Section 3721), 101.40, 101.42, 101.43, 108.02 (13) (k),
8115.347, 118.125 (2) (i) and (5) (b), 118.28, 119.82 (1) (a) 3., 146.89 (3) (d) 2., 150.84
9(2), 155.01 (6), 175.45 (9), 230.08 (2) (e) 5., 230.147 (1) and (2), 230.45 (1) (e), 252.076
10(3), 252.14 (1) (d), 253.085 (1), 255.05 (1) (a), 302.38 (3), 456.01 (2), 560.73 (1) (i) 1.
11and 2., 560.75 (11), 601.57 (1) (a), 609.65 (1) (b) (intro.), 619.10 (6), 619.12 (3) (b),
12632.895 (3), 705.04 (2g) (by Section 7065c), 756.04 (2) (am) 1. f. (by Section 7074),
13767.078 (1) (d) 1. c. and 3., 767.10 (2) (b), 767.25 (4m) (a) and (e) 1., 767.29 (2), 767.295
14(2) (a) (intro.) (by Section 7106) and 2. and (c), 767.51 (3m) (a) and (e) 1., 769.316 (4),
15803.03 (2) (a), 815.18 (13) (a), 859.02 (2) (a) (by Section 7190c), 859.07 (2) (by Section
167191c), 867.01 (3) (a) 4. (by Section 7193c) and (3) (d) (by Section 7194c), 867.02 (2)
17(a) 6. (by Section 7195c), 867.03 (1) (c) (by Section 7197c) and (1m) (a) (by Section
187198c) and (b) (by Section 7199c), 867.035 (1) (intro.) (by Section 7200c) and (4) (by
19Section 7206c), 880.195, 905.15 (1), 948.45 (2) and 978.05 (4m) of the statutes, the
20repeal of section 49.50 (1) (title) and (11) and the unnumbered subchapter titles
21preceding sections 49.001, 49.19, 49.43 and 49.50 of the statutes, the renumbering
22of sections 20.435 (4) (e) and (eb), 46.22 (1) (b) 2. and 14., 49.01 (7m), 49.177, 49.482
23(title), (1) (intro.), (b) and (c), (2) (b) to (f) and (4) (b) and (5), 49.486, 49.50 (6k) (title)
24and (8), 49.53 (2) (a), 49.65 (3m) (title), (a), (b) and (c) 1. to 4., 49.70 and 49.80 (3) (e)
252. of the statutes, the renumbering and amendment of sections 20.435 (4) (d), (de),

1(df), (dk), (L), (Lm) and (p), 46.032, 46.033 (1) (a), 46.215 (2) (a) and (c), 46.22 (1) (b)
23. and (e) 3., 46.23 (5) (a), (c) and (n), 46.25 (12), 46.31, 49.001 (intro.), 49.41, 49.482
3(1) (a), (2) (a), (3) and (4) (a), 49.50 (1) and (6k) (c), 49.52 (1) (ad), 49.53 (1m) and 49.65
4(3), (3m) (c) (intro.) and (7) (c) of the statutes, the amendment of sections 20.435 (6)
5(ee), 49.02 (5) (bm), 49.035 (1m), 560.795 (3) (e), 560.797 (4) (e) and 767.295 (2) (a)
61m. of the statutes and the creation of sections 46.215 (2) (a) 2. and (c) 2., 46.22 (1)
7(b) 2., 3. and 4m. and (e) 3. b., 46.23 (5) (a) 2., (c) 2. and (n) 2., 49.001 (intro.) and 49.124
8(2) (title) and (3) (title) and subchapters I (title), II (title), III (title), IV (title), V (title)
9and VI (title) of chapter 49 of the statutes and Section 9126 (15) and (27) of this act
10take effect on July 1, 1996.
AB576, s. 29 11Section 29. Nonstatutory provisions.
AB576,26,12 12(1) Emergency rule making.
AB576,26,17 13(a) The department of health and social services shall submit in proposed form
14the rules required under section 49.176 of the statutes, as created and renumbered
15by this act, to the legislative council staff under section 227.15 (1) of the statutes no
16later than the first day of the 6th month beginning after the effective date of this
17paragraph.
AB576,26,24 18(b) Using the procedure under section 227.24 of the statutes, the department
19of health and social services shall promulgate rules required under section 49.176
20of the statutes, as created and renumbered by this act, for the period before the
21effective date of the rules submitted under paragraph (a) , but not to exceed the period
22authorized under section 227.24 (1) (c) and (2) of the statutes. Notwithstanding
23section 227.24 (1) and (3) of the statutes, the department of health and social services
24is not required to make a finding of emergency.
AB576, s. 30
1Section 30. Effective dates. This act takes effect on the day after
2publication, except as follows:
AB576,27,8 3(1) The repeal of section 49.032 (1) (a) of the statutes, the amendment of
4sections 49.19 (3) (a) (by Section 11 ), 49.41, 49.53 (1m), 812.30 (9) (by Section 17),
5812.44 (4) (by Section 19 ) and (5) (by Section 21 ) and 814.29 (1) (d) 1. (by Section
623) of the statutes, the repeal and recreation of sections 46.208 and 49.015 (2) of the
7statutes and the creation of sections 20.435 (7) (ee) and 49.176 of the statutes take
8effect on January 1, 1996.
AB576,27,13 9(2) The renumbering of section 49.176 of the statutes, the renumbering and
10amendment of sections 49.41 and 49.53 (1m) of the statutes, the amendment of
11sections 20.435 (7) (ee), 46.208, 49.015 (2), 49.19 (3) (a) (by Section 12), 812.30 (9)
12(by Section 18), 812.44 (4) (by Section 20 ) and (5) (by Section 22 ) and 814.29 (1) (d)
131. (by Section 24 ) of the statutes take effect on July 1, 1996.
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