⭐ Minnesota Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Minnesota? Wage garnishment in the North Star State follows federal guidelines. Minnesota has straightforward garnishment procedures for creditors. This guide covers everything you need to know as part of your Minnesota judgment collection strategy.
⚖️ What Is Wage Garnishment in Minnesota?
Wage garnishment in Minnesota allows judgment creditors to collect directly from a debtor’s paycheck. The process is governed by Minnesota Statutes Chapter 571, following federal CCPA limits.
For creditors working on how to collect a judgment, wage garnishment is effective. Our skip tracing services help locate debtors throughout Minnesota.
💡 Key Point: Minnesota judgments last 10 years and can be renewed for additional 10-year periods. Minnesota uses “earnings garnishment” terminology.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – Minnesota DOR and IRS have broader powers
- Student Loans – Up to 15% for federal student loans
💰 Minnesota Wage Garnishment Limits
Minnesota follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage
📋 Minnesota Exemption Table
| Debt Type | Maximum Garnishment | Notes |
|---|---|---|
| 📄 Consumer Debt | 25% or 30× min wage test | Standard process |
| 👨👩👧 Child Support | 50-65% | Priority over others |
| 🎓 Student Loans | 15% | Administrative process |
| 🏛️ Tax Debt | Varies | Broad powers |
🔍 Need to Find a Debtor’s Employer in Minnesota?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Minnesota
- Obtain a Money Judgment
Get a Minnesota judgment or domesticate an out-of-state judgment.
- Locate Debtor and Employer
Our Minnesota skip tracing finds employer information.
- File Garnishment Summons
File earnings garnishment summons with the court.
- Serve the Employer
Serve garnishment summons on the employer.
- Employer Files Disclosure
Employer must disclose employment and wage information.
- Court Issues Order
Garnishment continues until judgment satisfied.
- Monitor Payments
Track payments and file satisfaction when paid.
🔍 Skip Tracing in Minnesota
🏙️ Minnesota Coverage
- Minneapolis-St. Paul Metro – Twin Cities area
- Rochester – Mayo Clinic area
- Duluth – Northern Minnesota
- Bloomington – Mall of America area
- St. Cloud – Central Minnesota
🎯 Minnesota Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Minnesota.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File garnishment summons
Week 1-2: Serve employer
Week 2-4: Employer files disclosure
Week 4-6: First payment received
🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can claim exemptions
📍 Our Minnesota Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your Minnesota Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
10 years, renewable for additional 10-year periods.
