AB789: Bill Text

AB789,3,16 The creditor has been awarded a court judgment that has not been paid. As a result, the creditor claims that a total of $.... is owed by the debtor, as follows:

AB789,3,17 A. Unpaid balance on judgment                      $....

AB789,3,18 B. Unpaid postjudgment interest                     $....

AB789,3,19 C. Costs of this earnings garnishment

AB789,3,20 (estimated)                                 $....

AB789,3,21 TOTAL                                        $....

AB789,3,24 The creditor believes that you will owe the debtor for earnings within the next 13 weeks. If the $15 fee is tendered with these papers, you are directed by the court to do the following:

AB789,4,2 DETERMINE WHETHER YOU WILL OWE THE DEBTOR EARNINGS

AB789,4,4 1. Determine if you are likely to owe the debtor for earnings in pay periods beginning within the next 13 weeks after the date of service.

AB789,4,8 2. If you are not likely to owe the debtor for earnings in pay periods beginning within the next 13 weeks after the date of service, send a statement stating that fact to the creditor by the end of the 7th business day after receiving the earnings garnishment forms.

AB789,4,10 IF THE DEBTOR SENDS YOU AN ANSWER

AB789,4,14 3. Whenever you receive a debtor's answer form from the debtor, mail a copy of the answer form to the creditor by the end of the 3rd business day after receipt of that form. Include the date you received the answer form on the copy sent to the creditor.

AB789,4,17 4. If the debtor's answer form claims a complete exemption or defense, do not withhold or pay to the creditor any part of the debtor's earnings under this garnishment unless you receive an order of the court directing you to do so.

AB789,4,19 MULTIPLE EARNINGS GARNISHMENTS

AB789,5,2 5. If the debtor's earnings are already being garnisheed when you receive this earnings garnishment, place this earnings garnishment into effect the pay period after the last of any prior earnings garnishments terminates. Notify the debtor of the amount of the garnishment and notify the creditor of the amount owed on the pending garnishments by the end of the 7th business day after you receive these forms. If there are no prior pending earnings garnishments against the debtor's earnings, place this earnings garnishment into effect the pay period after you receive it.

AB789,5,4 EARNINGS GARNISHMENTS LAST 13 WEEKS,

AB789,5,5 EXCEPT FOR PUBLIC EMPLOYEES

AB789,5,15 6. The garnishment of the earnings of employees of the state of Wisconsin and its political subdivisions remain remains in effect until the judgment is satisfied. The garnishment of earnings of other employees will affect the debtor's earnings for all pay periods beginning within 13 weeks after you receive it, unless the debtor's earnings are already being garnisheed. If this earnings garnishment is delayed under paragraph 5, above, it will affect the debtor's earnings for all pay periods beginning within 13 weeks after the first day of the pay period that you put this earnings garnishment into effect. If the amount claimed by the creditor is fully paid before the end of the 13 weeks, this earnings garnishment will terminate at that point.

AB789,5,16 PAYING THE CREDITOR

AB789,5,19 7. Between 5 and 10 business days after each payday of a pay period affected by this earnings garnishment, pay the creditor 20% of the debtor's disposable earnings for that pay period. Payment is complete upon mailing.

AB789,5,21 EFFECT OF COURT-ORDERED ASSIGNMENTS FOR SUPPORT

AB789,6,4 8. If the debtor has assigned his or her earnings for support by court order, those support payments take priority over this earnings garnishment. If 25% or more of the debtor's disposable earnings is assigned for support by court order, do not pay any part of the debtor's earnings to the creditor. Instead, send the creditor a statement of that fact by the end of the 7th business day after you receive these forms. If less than 25% of the debtor's earnings is assigned for support by court order, the amount the creditor must be paid is reduced so that the total of earnings assigned and garnisheed does not exceed 25% of the debtor's disposable earnings.

AB789,6,5 EXTENSIONS

AB789,6,12 9. The debtor and creditor may agree in writing to extend this earnings garnishment for additional pay periods beginning within 13 weeks after this earnings garnishment would otherwise terminate. If you receive a written extension stipulation, and an additional garnishee fee for each extension, you must honor it unless a different garnishment against this debtor's earnings is served upon you before the extension takes effect. In that case, the extension is void and you must return the extension fee to the party who paid it to you.

AB789, s. 7 Section 7. 812.44 (4) (form) of the statutes is amended to read:

AB789,6,14 812.44 (4) (form)

AB789,6,15 STATE OF WISCONSIN

AB789,6,16 CIRCUIT COURT:.... County

AB789,6,18 A.B., Creditor

AB789,6,19 vs.                                 File or Reference Number....

AB789,6,20 C.D., Debtor                          EXEMPTION NOTICE

AB789,6,21 and                                 EARNINGS GARNISHMENT

AB789,6,22 E.F., Garnishee

AB789,7,1 To the debtor:

AB789,7,7 The creditor was awarded a judgment against you or your spouse by.... (County Circuit or Federal District) Court on the.... day of...., .... (year) That judgment not having been fully paid, the creditor has now filed a garnishment proceeding against your earnings from the garnishee. This means that the creditor is seeking to take some of your earnings to satisfy part or all of the judgment against you or your spouse.

AB789,7,8 The total amount of the creditor's claim is as follows:

AB789,7,9 Unpaid balance on judgment                        $....

AB789,7,10 Unpaid postjudgment interest                       $....

AB789,7,11 Costs:

AB789,7,12 a. Garnishment filing fee                         $....

AB789,7,13 b. Garnishee fee                             $....

AB789,7,14 c. Service of process (estimate)                      $....

AB789,7,15 TOTAL                                          $....

AB789,7,18 By law, you are entitled to an exemption of not less than 80% of your disposable earnings. Your "disposable earnings" are those remaining after social security and federal and state income taxes are withheld.

AB789,7,19 Your earnings are completely exempt from garnishment if:

AB789,7,22 1. Your household income is below the federal poverty level, or this garnishment would cause that to happen. See the enclosed schedules and worksheet to determine if you qualify for this exemption.

AB789,8,2 2. You receive aid to families with dependent children, relief funded by a relief block grant under ch. 49, relief provided by counties under section s. 59.53 (21) of the Wisconsin Statutes, medical assistance, supplemental security income, food stamps, or veterans benefits based on need under 38 USC 501 to 562 or section 45.351 (1) of the Wisconsin Statutes, or have received these benefits within the past 6 months.

AB789,8,4 3. At least 25% of your disposable earnings are assigned by court order for support.

AB789,8,7 If you qualify for a complete exemption, you must give or mail a copy of the enclosed debtor's answer form to the garnishee in order to receive that increased exemption.

AB789,8,9 If your circumstances change while the garnishment is in effect, you may file a new answer at any time.

AB789,8,13 If you do not qualify for a complete exemption, but you will not be able to acquire the necessities of life for yourself and your dependents if your earnings are reduced by this earnings garnishment, you may ask the court in which this earnings garnishment was filed to increase your exemption or grant you other relief.

AB789,8,15 IF YOU NEED ASSISTANCE CONSULT AN ATTORNEY

AB789,8,21 If you have earnings that are being garnisheed that are exempt or subject to a defense, the sooner you file your answer or seek relief from the court, the sooner such relief can be provided. This earnings garnishment affects your earnings in pay periods beginning within 13 weeks after it was served on the garnishee. You may agree in writing with the creditor to extend it for additional 13-week periods until the debt is paid and remains in effect until the judgment is satisfied.

AB789,8,22 PENALTIES

AB789,8,25 If you wrongly claim an exemption or defense in bad faith, or if the creditor wrongly objects to your claim in bad faith, the court may order the person who acted in bad faith to pay court costs, actual damages and reasonable attorney fees.

AB789, s. 8 Section 8. Initial applicability.

AB789,9,3 (1) This act first applies to garnishment actions filed on the effective date of this subsection.

AB789,9,4 (End)