This bill amends various sections of the Minnesota Statutes related to garnishment procedures, focusing on enhancing clarity and protections for debtors. 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 also introduces a new "Earnings Worksheet" to help calculate disposable earnings and outlines specific government assistance programs that qualify for exemptions. Additionally, it updates the "Non-Earnings Disclosure" form and the "Exemption Form" to make them more user-friendly, ensuring that debtors understand their rights and the necessary documentation required to support their claims.

Furthermore, the bill establishes specific dollar limits for protected assets, such as equity in a home and household goods, while clarifying that 100% of wages are protected for individuals receiving government assistance based on need. It emphasizes the importance of timely communication between creditors, employers, and debtors, and mandates that forms related to these changes be made available on the state court website by June 1, 2025. Overall, the bill aims to streamline the garnishment process, enhance transparency, and protect the rights of individuals facing financial difficulties.

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