This bill amends various sections of the Minnesota Statutes related to garnishment procedures, focusing on enhancing clarity and accessibility for both debtors and creditors. Key changes include the introduction of clearer language in the earnings exemption notice, which informs judgment debtors about the potential for their earnings to be levied and the exemptions available to them. The bill specifies that garnishment can occur without further court action and outlines specific government assistance programs that qualify for exemptions. Additionally, it updates the earnings disclosure form and worksheet, providing definitions for "earnings" and "disposable earnings," and clarifying employer responsibilities in the garnishment process.

Significant insertions in the bill include a more straightforward explanation of the garnishment process, detailed instructions for employers on completing the earnings disclosure form, and new guidelines for the protection of various assets from garnishment, including specific dollar limits for protected items. The bill also removes outdated language and penalties, replacing them with more accessible terms to enhance understanding. Overall, the amendments aim to streamline the garnishment process while ensuring that debtors are adequately informed of their rights and protections under the law.

Statutes affected:
Introduction: 550.136, 550.143, 551.05, 551.06, 571.72, 571.74, 571.75, 571.912, 571.914, 571.925, 571.931, 571.932
1st Engrossment: 550.136, 550.143, 551.05, 551.06, 571.72, 571.74, 571.75, 571.912, 571.914, 571.925, 571.931, 571.932
2nd Engrossment: 550.136, 550.143, 551.05, 551.06, 571.72, 571.74, 571.75, 571.912, 571.914, 571.925, 571.931, 571.932