2025 Session Last amended: 1990 session

§ 571.926 — Proceedings if No Exemption Statement is Received

Plain-Language Summary

Allows the creditor to proceed with wage garnishment if the debtor does not return an exemption statement within 10 days. However, the debtor's failure to respond does not permanently waive their exemption rights. The creditor may still garnish even after receiving an exemption statement, but risks bad-faith sanctions.

Practical Notes
Even if you missed the 10-day window to claim an exemption, you have not lost your exemption rights permanently. However, responding on time is strongly recommended because it can prevent or delay the garnishment. If you do claim an exemption and the creditor garnishes anyway, they risk penalties if a court finds their action was in bad faith.