Things You'll Need:
- Financial disclosure form
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Step 1
After the hearing in which a debtor is granted a judgment against you, you have ten days to fill out and file a financial disclosure with the clerk of courts office where the judgment is held. This is the first action to obtaining a exemption from garnishment if you qualify.
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Step 2
Answer the question on the financial disclosure where it asks if you feel that you are exempt from garnishment with, "Yes." You will need to answer the questions as to why you feel you are exempt and give details.
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Step 3
Answer all questions pertaining to public assistance that you may have received or are receiving. This is not subject to garnishment. If 25% of your disposal income is assigned to the courts for support, you will mark that box on the form. Answer the question that asks if having 20% of your disposable income garnished would place you below the federal poverty level.
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Step 4
Fill out the financial worksheet that shows that your income is at or lower than poverty levels set forth by the federal government and include all payments your income is assigned to for exemption considerations.
