{"meta":{"key":"s_ks--pass-21","task":"S_KS","title":"Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing","parent_title":"Kansas debt and debt relief law","edition":"pass-21","path":"/research/s_ks--pass-21/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":62,"sources":20,"review_status":"revise_five_bounded_corrections_UNSENT","review_complete":true,"sha256":"5531895dbea66261635d0710bf938b3575fa2ad87595743176254cf8611dd04e","headings":["Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing","A1. Court and route matrix","A2. What the order reaches","A3. Financial-institution withholding formula","A4. Multiple accounts at the same bank","A5. Joint accounts","A6. Service on the bank","A7. Debtor notice","A8. Bank answer","A9. Reply and hearing","A10. Court-directed payment and 60-day release","A11. Successive bank garnishments","A12. Bank setoff is distinct","A13. Substitute bond","A14. Bank noncompliance","B1. State exemption matrix","B2. Public assistance","B3. Workers’ compensation","B4. Unemployment benefits","B5. Retirement and pension funds","B6. Life-insurance protection","B7. Deposited wages after the 2022 amendment","B8. Trust and fiduciary funds","C1. Ownership framework","C2. Beneficial ownership controls","C3. Initial freeze versus later liability","C4. Out-of-state account ownership","D1. Covered direct deposits","D2. Initial federal decision tree","D3. Protected-amount formula","D4. Conditions the bank must disregard during automatic review","D5. One-time review and later deposits","D6. Bank fees","D7. Federal notice to account holder","D8. Automatic amount is not the full federal exemption","D9. Federal bank safe harbors","E1. Social Security and SSI","E2. Veterans benefits","E3. Federal retirement and railroad benefits","E4. Direct deposit versus paper check","E5. Transfers between accounts","F1. Debtor procedure","F2. Time computation","F3. Proof commonly relevant","Exempt-source claim","Joint-owner claim","Fiduciary or representative-payee claim","Payment or satisfaction claim","F4. Filing the request does not automatically release funds","G1. Role-specific consequence matrix","H1. Kansas Judicial Council inventory","H2. Federal model notice","J1. Ordinary unprotected checking balance","J2. Covered federal direct deposits","J3. Federal benefit paid by paper check","J4. Transfer of benefits between accounts","J5. Deposited ordinary wages","J6. Joint account and nondebtor ownership","J7. Garnishment order carries federal notice","J8. Funds above the automatic protected amount"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-21","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["levy"],"subject":["bank-garnishment","exemptions-property","employment-care-benefits"]},"scope":"Independent bankgarnishment/deposit-benefits/tracing; onlyafterKS20complete/saved","pending_corrections":5},"markdown":"# SettleADebt.com — S_KS, PASS-21\n\n## Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing\n\n**Fresh research date:** October 26, 2026, Pacific / October 26, 2026, UTC\n**Research character:** Focused original-Chat primary-source pass; not an independent review\n**Component boundary:** Postjudgment garnishment of Kansas bank and deposit accounts for ordinary unsecured consumer money judgments, including state exemptions, joint-account ownership, tracing, and the federal protected-benefit account-review rule.\n\nPASS-20 and the earlier judgment and arbitration passes remain saved but unreviewed and are not adopted as premises. The limited judgment prerequisite needed here was freshly read from the current Kansas garnishment statutes.\n\nThis pass does **not** determine any actual account balance, ownership interest, creditor authority, judgment validity, benefit source, exemption, bank liability, deadline, or right to collect. It does not complete wage garnishment, physical-property execution, bankruptcy, tax, support, student-loan, federal-agency, medical, secured-debt, probate, business-account, local, tribal, or foreign-country enforcement.\n\n# Executive determination\n\nKansas bank garnishment is an ancillary **postjudgment court process**. It does not begin because a debt exists, a creditor sends a demand, a consumer enrolls in debt relief, or a private arbitration award is issued. For an ordinary judgment, the creditor may request garnishment after 14 days have passed following judgment; no prior writ of execution and no creditor bond are ordinarily required. Kansas prejudgment attachment and garnishment follow a different statutory route. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0031_section/060_007_0031_k/)\n\nA Kansas financial-institution order generally directs the bank to withhold up to:\n\nPlain text\n```\n110% × the current balance due on the judgment\n```\n\nThe extra 10% is a withholding ceiling, not a new debt, penalty, or automatic creditor entitlement. The bank may retain a **$15 administrative fee**. If the account lacks enough money to cover both the garnishment and the fee, the fee is deducted from the amount withheld rather than added beyond the available funds. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/)\n\nUnlike a continuing wage order, an ordinary bank order is essentially a **one-time snapshot**. It reaches intangible property and funds in the bank’s possession or control when served, plus qualifying property becoming due between service and the bank’s answer. The bank’s answer is generally due within 14 days. A new or different order is ordinarily needed to reach later deposits after the completed account-review and answer process. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0032_section/060_007_0032_k/)\n\nThe ordinary Kansas sequence is:\n\nPlain text\n```\nValid judgment\n→ wait 14 days\n→ creditor requests nonwage garnishment\n→ bank is served\n→ creditor immediately sends debtor notice\n→ bank answers within 14 days\n→ debtor or creditor may reply within 14 days\n→ court resolves exemptions, ownership, offsets, and disputes\n→ absent a timely reply, court directs payment\n```\n\nThe debtor’s request for an exemption hearing is due no later than 14 days after service of the debtor notice. The hearing must then be held 7–14 days after the request. The debtor bears the burden of proving the claimed exemption. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/)\n\nKansas does **not** appear to provide one general dollar “cash,” checking-account, or wildcard exemption for ordinary residents in the current personal-property exemption section reviewed. Instead, account protection is primarily **source-specific**: public assistance, workers’ compensation, unemployment benefits subject to an anti-commingling condition, certain retirement benefits, life-insurance proceeds, and other specifically protected funds. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/)\n\nJoint account title does not conclusively decide ownership. Kansas’s statutory bank process initially permits the entire requested amount to be withheld from a joint account, but the creditor ultimately reaches only the judgment debtor’s beneficial interest. Kansas law generally starts with a rebuttable equal-ownership presumption for a Kansas joint account, and the person claiming a different ownership allocation bears the burden of proving it. Account ownership created under another state’s law can require that state’s property law instead. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/)\n\nThe federal account-review rule in 31 C.F.R. Part 212 protects specified **directly deposited federal benefits** without requiring the account holder first to file a court exemption claim. Unless the garnishment order carries a federal “Notice of Right to Garnish Federal Benefits,” the bank generally must perform an account review within two business days. The automatically protected amount is:\n\nPlain text\n```\nthe lesser of:\n\n1. covered federal benefit payments directly deposited\n   during the two-month lookback period; or\n\n2. the account balance at the time of review.\n```\n\nThe bank must give the account holder full and customary access to that protected amount and cannot deduct its garnishment fee from it. Funds above the automatically protected amount can still be exempt under the underlying Social Security, SSI, VA, Railroad Retirement, OPM, or other applicable law, but that additional protection ordinarily must be asserted and traced through the court process. [eCFR+2](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\n# A. Kansas bank-garnishment procedure\n\n## A1. Court and route matrix\n\n| Route | Ordinary bank-garnishment prerequisite | Governing procedure | Principal boundary |\n| --- | --- | --- | --- |\n| **Chapter 60 ordinary civil judgment** | More than 14 days after valid judgment | K.S.A. 60-729 through 60-743 | No prior execution or creditor bond ordinarily required |\n| **Chapter 61 limited-action judgment** | More than 14 days after valid judgment | K.S.A. 61-3502 through 61-3516 | Parallel limited-action process |\n| **Small-claims judgment** | Valid small-claims judgment and applicable Chapter 61 enforcement route | Chapter 61 unless a Small Claims Act provision differs | Small-claims eligibility does not itself prove garnishment entitlement |\n| **Arbitration award without court judgment** | Not sufficient by itself | Separate award-to-judgment process | Bare award is not bank-garnishment process |\n| **Prejudgment claim** | Separate attachment predicates and court order | K.S.A. 60-730 and attachment provisions | Not ordinary postjudgment bank garnishment |\n| **Federal, tax, support, student-loan, bankruptcy, forfeiture order** | Specialized authority | Separate federal or sector law | Excluded except where needed for Part 212 boundary |\n\nA bank garnishment remains part of the judgment proceeding. This pass does not determine whether an out-of-state bank, account branch, or intangible property has sufficient Kansas jurisdictional connections in a particular case.\n\n## A2. What the order reaches\n\nFor intangible property other than earnings, the Kansas order attaches:\n\n- Funds, credits, indebtedness, and other intangible property belonging to the debtor in the garnishee’s possession or control when served; and\n- Such property becoming due between service and the bank’s answer.\n\nThat means the order is not a permanent lien on all future account deposits. It captures the statutory service-to-answer window, subject to exemptions and federal account-review protections. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0032_section/060_007_0032_k/)\n\nThe order does **not** itself determine:\n\n- Whether every dollar is owned by the debtor;\n- Whether funds are exempt;\n- Whether the bank has a valid setoff;\n- Whether the creditor’s claimed balance is correct;\n- Whether another creditor has priority;\n- Whether the account is a fiduciary or representative-payee account;\n- Whether another state’s ownership law applies.\n\n## A3. Financial-institution withholding formula\n\nLet:\n\nPlain text\n```\nJ = current judgment balance stated in the order\nO = 1.10 × J\nB = available nonexempt funds subject to the order\nF = $15 bank administrative fee\n```\n\nThe initial Kansas withholding ceiling is:\n\nPlain text\n```\nW = min(O, B)\n```\n\nIf B is sufficient to satisfy the requested withholding plus the fee, the bank can retain the $15 fee in addition. If the funds are insufficient, the fee is deducted from the amount withheld:\n\nPlain text\n```\nAmount available toward judgment = W − F\n```\n\nsubject to federal protected-benefit rules and any later exemption or ownership ruling. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/)\n\nThe 110% figure does not validate the judgment balance or authorize collection beyond the amount lawfully due. Any overpayment must be refunded promptly. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0039_section/060_007_0039_k/)\n\n## A4. Multiple accounts at the same bank\n\nThe bank may satisfy the withholding direction from one or more accounts belonging to the debtor. It is not required to take proportional amounts from every account. But each account can have different:\n\n- Owners;\n- Benefit deposits;\n- Exemption sources;\n- Setoff claims;\n- Fiduciary restrictions;\n- Account-review calculations.\n\nPart 212 requires a separate federal-benefit account review for each covered account. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/)\n\n## A5. Joint accounts\n\nWhen an order identifies a joint account, Kansas permits the bank initially to withhold the entire amount directed by the order. The statute shields the bank and garnishor from liability to joint owners merely because funds later are shown not to belong to the debtor. That initial withholding protection does not give the creditor beneficial ownership of the nondebtor’s money. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/)\n\nThe ultimate ownership analysis is different:\n\n- Garnishment generally severs a Kansas joint tenancy into tenancy in common for this purpose.\n- The starting presumption is equal ownership.\n- The person asserting unequal ownership bears the burden of rebutting the presumption.\n- The creditor reaches only the debtor’s actual beneficial share.\n- Evidence of deposits, withdrawals, source, control, intent, account agreement, and use can rebut the starting presumption. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/1978/48-306-1.html)\n\nWhere the account ownership relationship was created under another state’s law, Kansas conflict rules can require that other state’s substantive ownership law. In *M&I Marshall & Ilsley Bank v. Higdon*, a Missouri tenancy-by-the-entirety account was not subject to garnishment for only one spouse’s debt. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2024/125672.html)\n\n## A6. Service on the bank\n\nThe garnishment order and answer form are served at the bank’s business or office under Kansas process rules. Kansas authorizes special garnishment-service methods, including designated mail, fax, and qualifying electronic routes under statutory conditions. Those special bank-service provisions do not mean that every debtor notice, exemption motion, summons, or unrelated paper can be served by an informal email or text. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/)\n\n## A7. Debtor notice\n\nImmediately after serving the bank, the creditor must send the debtor a notice in any reasonable manner. The notice must substantially comply with the Kansas Judicial Council form and explain:\n\n- The garnishment order;\n- Its effect;\n- Exemption rights;\n- The right to challenge the bank’s answer;\n- How to request a hearing.\n\nThe actual date of service matters because the debtor’s 14-day hearing period runs from service, not from the order’s issuance or the bank’s internal freeze date. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/)\n\n## A8. Bank answer\n\nThe bank must answer within 14 days after service.\n\nIf the bank holds garnishable property, the answer goes to:\n\n- The creditor or creditor’s attorney; and\n- The judgment debtor.\n\nIf the bank holds no garnishable property, the statute requires delivery to the creditor or attorney. The answer is made through an unsworn declaration. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0036_section/060_007_0036_k/)\n\n## A9. Reply and hearing\n\nThe creditor or debtor can reply to the bank’s answer within 14 days after the answer is sent. The reply must be sent to:\n\n- The opposing party;\n- Other affected creditors;\n- The bank.\n\nThe filer obtains a hearing date, ordinarily within 30 days.\n\nBurden allocation:\n\n- The party filing the reply bears the burden of disproving the bank’s answer.\n- The bank bears the burden on affirmative offsets, debts, and liens it asserts. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0038_section/060_007_0038_k/)\n\nA nondebtor joint owner or other claimant can seek adjudication of ownership, but the exact procedural vehicle and deadline can depend on intervention, the bank’s answer, the debtor notice, and the court’s order. No universal nondebtor-owner form was recovered.\n\n## A10. Court-directed payment and 60-day release\n\nIf no timely reply is filed, the court directs the bank to pay according to the answer after the statutory response period. The creditor cannot simply instruct the bank to transfer money outside the court process. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0039_section/060_007_0039_k/)\n\nIf the bank receives no order to pay within 60 days after the creditor receives the answer, the bank may release the withheld funds. That 60-day rule protects the bank from indefinite freezes caused by creditor or court inactivity. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0039_section/060_007_0039_k/)\n\n## A11. Successive bank garnishments\n\nThe same creditor generally cannot issue more than two garnishments against the same debtor on the same claim in any 30-day period unless a judge grants an exception after the creditor certifies that the request is not for harassment and presents facts showing the debtor has nonexempt assets. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/)\n\nA new or different order can reach a later account snapshot and triggers a new Part 212 account review. Merely re-serving the same order does not create a new federal review. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\n## A12. Bank setoff is distinct\n\nA bank’s contractual or common-law setoff against its own borrower is not the same as a creditor’s garnishment. K.S.A. 60-719 provides that a bank claiming a setoff is not discharged from garnishment liability until it actually applies the indebtedness to liquidate its claim. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0019_section/060_007_0019_k/)\n\nWhether a setoff can reach particular federal benefits, fiduciary funds, or exempt deposits requires the governing benefit law and account agreement. This pass does not establish a general bank setoff right against protected benefits.\n\n## A13. Substitute bond\n\nThe debtor can seek discharge of the bank and release of the garnished property by filing a court-approved bond—ordinarily twice the creditor’s claim, or a lower amount approved by the court under the statute. This is an affirmative court process, not an automatic right to move the money privately. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0022_section/060_007_0022_k/)\n\n## A14. Bank noncompliance\n\nA bank’s failure to answer or pay does not automatically make it liable for the full judgment.\n\nThe creditor must file a motion, serve the bank and debtor, and obtain a court determination. The court can impose a reasonable judgment, contempt, fine, expenses, or attorney fees under the applicable subsection and facts. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0041_section/060_007_0041_k/)\n\nIf a party controverts the bank’s answer without good cause, the court can award the bank its expenses and reasonable attorney fees. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0021_section/060_007_0021_k/)\n\n# B. Kansas state exemptions and tracing\n\n## B1. State exemption matrix\n\n| Fund or property source | Kansas protection reviewed | Deposit/tracing qualification | Principal hold |\n| --- | --- | --- | --- |\n| **Ordinary cash/checking balance** | No general resident cash or bank-account wildcard located in K.S.A. 60-2304 | Source-specific law may still protect it | Bounded search result, not universal absence |\n| **Public assistance** | Paid, payable, or to-be-paid assistance protected from garnishment and legal process | Statute does not contain the unemployment-style anti-commingling sentence | Program and payment identity required |\n| **Workers’ compensation** | Claim and compensation agreed, awarded, adjudged, or paid protected; exemption nonwaivable | Kansas case preserves identifiable, uncommingled proceeds after deposit | Support exception applies |\n| **Unemployment benefits** | Rights and received benefits protected | Received benefits remain exempt only while not mingled with other funds | Necessaries, support, tax, and overpayment exceptions |\n| **Qualified retirement plans and IRAs** | Interests and distributions from specified qualified plans protected | Plan status and statutory exception matter | Support and domestic-relations exceptions |\n| **Federal pension received within prior three months** | Exempt if necessary for support and proved by affidavit or other evidence | Affirmative proof; immediate court release when established | Exact source and necessity required |\n| **Life-insurance proceeds and policy value** | Protected under K.S.A. 40-414 | Statutory timing and bankruptcy exceptions | Actual policy and beneficiary facts |\n| **Social Security, SSI, VA, Railroad, OPM benefits** | Federal underlying exemption plus Part 212 automatic direct-deposit protection | Automatic amount plus potentially greater traced exemption | Federal exceptions and payment method matter |\n| **Ordinary deposited wages** | Former statutory text supported tracing protection | “Paid or” deleted in 2022; current effect unresolved | No current controlling appellate decision located |\n| **Trust or fiduciary funds** | Creditor can reach only debtor’s beneficial property | Account label alone is insufficient; tracing and trust proof required | Actual agreement, source, and use |\n\nKansas’s ordinary personal-property statute protects specified tangible property and tools but does not set out a general dollar amount for all cash or bank deposits. The conclusion is limited to the reviewed general exemption provisions; specialized statutes can provide additional protection. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/)\n\n## B2. Public assistance\n\nK.S.A. 39-717 protects public-assistance money paid, payable, or to be paid, together with tangible assistance, from execution, levy, attachment, garnishment, bankruptcy, insolvency, and other legal process. The claimant must still establish that the deposited funds are the protected assistance. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/039_000_0000_chapter/039_007_0000_article/039_007_0017_section/039_007_0017_k/)\n\n## B3. Workers’ compensation\n\nK.S.A. 44-514 protects workers’ compensation claims and payments from assignment and creditor process, subject to the statute’s support exception. The exemption cannot be waived. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_005_0000_article/044_005_0014_section/044_005_0014_k/)\n\nIn *Decker & Mattison v. Wilson*, workers’ compensation proceeds remained exempt after transfer through savings and certificate-of-deposit accounts into a joint account because they were reasonably identifiable and had not been commingled with other money. Deposit and joint title did not alone destroy the exemption. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2002/86433.html)\n\n## B4. Unemployment benefits\n\nKansas unemployment benefits are protected after receipt **only while they are not mingled with other funds**. The statute includes exceptions involving necessaries furnished during unemployment and separate support, tax, and overpayment provisions. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_007_0000_article/044_007_0018_section/044_007_0018_k/)\n\nThis is stricter than the federal Part 212 automatic rule, which disregards commingling for covered federal direct deposits.\n\n## B5. Retirement and pension funds\n\nK.S.A. 60-2308 protects interests in and payments from specified qualified retirement arrangements, including plans under Internal Revenue Code §§401, 403, 408, 408A, and 409, subject to stated support and domestic-relations exceptions. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0008_section/060_023_0008_k/)\n\nThe same statute protects certain federal pension money received during the three months preceding garnishment when the debtor proves by affidavit or other evidence that the funds are necessary for support. The affidavit is prima facie evidence, and the court is directed to release the exempt funds immediately when the statutory predicates are met. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0008_section/060_023_0008_k/)\n\nPlan qualification, rollover status, inherited-account treatment, prohibited transactions, and tracing after repeated transfers remain outside this pass.\n\n## B6. Life-insurance protection\n\nK.S.A. 40-414 protects specified life-insurance policies, reserves, present value, and beneficiary interests from creditors, subject to statutory timing and bankruptcy exceptions. Whether cash in an ordinary bank account remains protected requires proof of source and the statute’s application to the particular proceeds. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_004_0000_article/040_004_0014_section/040_004_0014_k/)\n\n## B7. Deposited wages after the 2022 amendment\n\nIn *Stormont-Vail Healthcare v. Sievers*, the Kansas Supreme Court held under the former statutory definition—earnings “paid or payable”—that directly and specifically traceable wages could retain their earnings character after deposit. The debtor bore the burden of tracing. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2021/121109.html)\n\nIn 2022, HB 2608 deleted “paid or,” leaving current K.S.A. 60-2310 to define earnings as compensation **payable** for personal services. The enrolled amendment appears at PDF indices 9–11, printed pages 10–12. [Kansas Legislature+2](https://www.kslegislature.gov/li_2022/b2021_22/measures/documents/hb2608_enrolled.pdf)\n\nAccordingly:\n\n- *Stormont-Vail* remains historically important.\n- Its statutory basis was materially changed.\n- It cannot be applied automatically to a current garnishment.\n- No current published Kansas appellate decision was located deciding whether an independent current exemption protects ordinary wages after deposit.\n- Bank-account treatment of deposited wages therefore remains held for current-law adjudication rather than presumed protected or presumed unprotected.\n\n## B8. Trust and fiduciary funds\n\nAn account called “trust,” “escrow,” “representative payee,” or “fiduciary” is not self-proving. In *LSF Franchise REO I v. Emporia Restaurants*, the party claiming that bank funds belonged to others bore the burden of tracing and proving the asserted ownership relationship. Labels, intent, and general testimony were insufficient where the account had multiple uses and commingling. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2007/93622.html)\n\nThe court’s focus is the beneficial ownership at the time of garnishment service, not a future intention to transfer or reimburse the money.\n\n# C. Joint accounts, third-party ownership, and tracing\n\n## C1. Ownership framework\n\n| Question | Starting rule | Burden |\n| --- | --- | --- |\n| Does the bank initially freeze funds in a joint account? | Yes, up to the order amount | Bank follows order and federal review |\n| Does joint title prove debtor owns all funds? | No | Creditor ultimately reaches only debtor’s beneficial interest |\n| Kansas joint account without better proof | Rebuttable equal-ownership presumption | Party claiming unequal shares |\n| Nondebtor claims sole ownership | Must prove source, contribution, control, intent, and use | Nondebtor claimant |\n| Account created under another state’s property law | Law of state creating the ownership interest can control | Party asserting foreign-law property form |\n| Trust or fiduciary claim | Requires actual trust/agency evidence and tracing | Claimant |\n| Exempt-source claim | Requires statutory source and tracing except where Part 212 automatically protects | Debtor or claimant |\n\n## C2. Beneficial ownership controls\n\nIn *Purma v. Stark*, the Kansas Supreme Court held that a creditor cannot acquire a greater interest in garnished property than the debtor had. Nondebtor owners who proved the debtor had no beneficial interest prevailed. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1978/48-868-1.html)\n\nThat principle prevents bank-account title from becoming a shortcut to confiscating another owner’s money.\n\n## C3. Initial freeze versus later liability\n\nK.S.A. 60-733 protects the bank and garnishor for the initial withholding from a joint account when funds later are shown not to belong to the debtor. That protection is not perpetual.\n\nIn *Miller v. Clayco State Bank*, a nondebtor owner could recover actual damages from a creditor that continued to hold the funds after the court determined sole ownership and a reasonable release period passed. The bank that complied with the court process was protected. Punitive damages were not automatic. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1985/56-790-9.html)\n\n## C4. Out-of-state account ownership\n\nIn *M&I Marshall & Ilsley Bank v. Higdon*, Kansas applied the law of the state where the property interest was created. A Missouri tenancy-by-the-entirety account was not reachable for one spouse’s debt. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2024/125672.html)\n\nA Kansas bank location, Kansas judgment, or Kansas garnishment order therefore does not always determine the underlying ownership form.\n\n# D. Federal protected-benefit account review\n\n## D1. Covered direct deposits\n\nPart 212’s automatic account review covers encoded direct deposits of:\n\n- Social Security;\n- Supplemental Security Income;\n- Veterans benefits;\n- Railroad Retirement benefits;\n- Railroad Unemployment and Sickness benefits;\n- Civil Service Retirement System benefits;\n- Federal Employees Retirement System benefits.\n\nIt does not automatically cover:\n\n- Ordinary wages;\n- State benefits;\n- Private pensions;\n- Paper benefit checks deposited by the account holder;\n- Cash deposits;\n- Transfers from another account merely because the original source was federal benefits;\n- Tax refunds;\n- Student aid.\n\nUnderlying statutes can still provide protection outside the automatic review. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\n## D2. Initial federal decision tree\n\nPlain text\n```\nBank receives garnishment order\n        |\n        v\nDoes order contain Notice of Right to Garnish Federal Benefits?\n        |\n   Yes  |  No\n        | \n        v\nNo Part 212 account review;          Bank performs account review\nordinary special-order procedure     within 2 business days after\napplies                              receipt of order and sufficient\n                                     identifying information\n```\n\nThe notice exception generally applies to orders issued by the United States or a state child-support enforcement agency under qualifying authority. An ordinary private consumer judgment does not acquire that status merely because the creditor asks for it. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\n## D3. Protected-amount formula\n\nLet:\n\nPlain text\n```\nB = account balance at account review\nF = sum of covered federal benefit direct deposits\n    during the two-month lookback period\nP = automatically protected amount\n```\n\nThen:\n\nPlain text\n```\nP = min(B, F)\n```\n\nThe bank must give the account holder full and customary access to P. That amount is conclusively exempt from the garnishment order at the bank-review stage. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\nThe bank calculates the protected amount separately for each account.\n\n## D4. Conditions the bank must disregard during automatic review\n\nFor Part 212’s automatic calculation, the bank does not deny protection because:\n\n- Covered benefits are commingled with other money;\n- The account has a joint owner;\n- More than one federal program deposited benefits;\n- More than one beneficiary’s covered payments appear;\n- The balance exceeds or is below the deposits;\n- A state order tells the bank to freeze everything;\n- The debt is an ordinary consumer debt;\n- The bank believes the account holder could assert some other exemption.\n\nThose issues can matter later, but they do not reduce the automatic protected amount. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\n## D5. One-time review and later deposits\n\nThe bank performs one account review for each order.\n\n- Re-service of the same order does not require a new review.\n- A new or different order requires a new review.\n- The bank may not continually freeze later deposits under the same order after completing the review.\n- The review does not trace funds transferred between accounts. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\nThis federal rule reinforces that an ordinary bank garnishment is not a continuing wage-style lien on every future deposit.\n\n## D6. Bank fees\n\nThe bank cannot deduct its garnishment fee from the protected amount.\n\nIt can collect a fee from nonprotected funds:\n\n- Already available above the protected amount; or\n- Deposited within five business days after the account review,\n\nbut only to the extent those nonprotected funds exist. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\nKansas’s $15 fee therefore yields to Part 212 when the only money present is automatically protected.\n\n## D7. Federal notice to account holder\n\nThe bank must send a notice within three business days after account review when the regulatory conditions are met, including covered deposits, a protected amount, and funds frozen above that amount.\n\nThe notice identifies:\n\n- The garnishment order;\n- The account;\n- The protected amount;\n- The amount frozen;\n- Any garnishment fee;\n- The covered-benefit programs;\n- The right to claim additional exemptions in court.\n\nThe notice can be sent to the account holder or a fiduciary who ordinarily receives account communications. The model notice is optional; compliant use creates the regulatory safe harbor. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\n## D8. Automatic amount is not the full federal exemption\n\nPart 212 expressly preserves the account holder’s right to claim additional exempt funds under federal or state law.\n\nExample:\n\nPlain text\n```\nCovered direct deposits in lookback       $2,000\nBalance at review                          $5,000\nAutomatic protected amount                $2,000\nInitially frozen excess                    $3,000\n```\n\nThe $3,000 excess is not necessarily nonexempt. It can include:\n\n- Older traceable Social Security benefits;\n- Traceable VA benefits;\n- Another protected source;\n- Nondebtor joint-owner funds;\n- State-protected benefits.\n\nThe account holder must establish that additional protection through the applicable court procedure. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\n## D9. Federal bank safe harbors\n\nPart 212 protects a financial institution for:\n\n- Good-faith compliance;\n- Bona fide errors despite reasonable procedures;\n- Certain clearing and adjustment entries;\n- Following an account holder’s written instruction to use protected funds after the order.\n\nThe institution must retain compliance records for at least two years. Federal banking agencies enforce the financial-institution duties. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\nThe safe harbor does not protect a creditor from every wrongful-garnishment claim and does not determine beneficial ownership.\n\n# E. Underlying federal benefit exemptions\n\n## E1. Social Security and SSI\n\n42 U.S.C. §407 protects Social Security benefits paid or payable from execution, levy, attachment, garnishment, and other legal process, subject only to federal statutes that expressly refer to the protection. SSI incorporates the same protection through 42 U.S.C. §1383(d)(1). [U.S. Code+1](https://uscode.house.gov/us/usc/119-120/t42/s407/)\n\nIn *Philpott v. Essex County Welfare Board*, Social Security funds retained protection after deposit where they remained readily withdrawable and retained the quality of money. [Justia Law](https://supreme.justia.com/cases/federal/us/409/413/)\n\n## E2. Veterans benefits\n\n38 U.S.C. §5301 protects VA benefits before and after receipt, subject to the statute’s listed exceptions. [U.S. Code](https://uscode.house.gov/us/usc/119-120/t38/s5301/)\n\n*Porter v. Aetna Casualty & Surety Co.* and *Lawrence v. Shaw* hold that VA benefits can remain exempt in ordinary bank deposits when readily available for the beneficiary’s support and not converted into permanent investments. [Justia Law+1](https://supreme.justia.com/cases/federal/us/370/159/)\n\n## E3. Federal retirement and railroad benefits\n\nFederal statutes separately protect:\n\n- Civil Service Retirement System money;\n- Federal Employees Retirement System money;\n- Railroad Retirement benefits;\n- Railroad Unemployment and Sickness benefits,\n\nsubject to their program-specific exceptions, including some tax, support, domestic-relations, overpayment, and federal-government claims. [U.S. Code+3](https://uscode.house.gov/us/usc/119-120/t5/s8346/)\n\nThose exceptions are not ordinary private consumer-debt exceptions.\n\n## E4. Direct deposit versus paper check\n\nA paper federal-benefit check deposited by the consumer does **not** trigger the bank’s automatic Part 212 account review because the payment is not an encoded covered direct deposit.\n\nThat does not destroy the underlying statutory exemption. The consumer can still claim and trace the benefit under §407, §5301, or the other governing statute. The bank simply lacks the automatic federal encoding and lookback mechanism. [eCFR+2](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212)\n\n## E5. Transfers between accounts\n\nPart 212 does not require the bank to trace covered benefits moved from Account A to Account B. Automatic protection follows encoded direct deposits into the reviewed account.\n\nA later transfer can remain protected under the underlying statute if the claimant proves source and continued exempt character, but neither Part 212 nor the cited cases creates an automatic presumption for every multi-account transfer. Account statements, transfer records, timing, intervening deposits, withdrawals, and investment use become material.\n\n# F. Exemption and ownership hearings\n\n## F1. Debtor procedure\n\n| Step | Requirement | Relative deadline |\n| --- | --- | --- |\n| Receive debtor notice | Creditor sends immediately after bank service | Trigger |\n| File hearing request | Request identifies exemption or calculation issue | No later than 14 days after service |\n| Obtain hearing date | Court schedules | 7–14 days after request |\n| Notify creditor | Immediate hand delivery or first-class mailing of request | Immediately after filing |\n| Present proof | Account statements, benefit records, ownership documents, affidavits, tracing | At hearing |\n| Court decision | Release, partial release, payment, or other order | After hearing |\n\nThe debtor bears the burden of establishing the exemption. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/)\n\n## F2. Time computation\n\nUnless a more specific statute controls:\n\n- Exclude the triggering day;\n- Count all intermediate calendar days;\n- Extend a terminal Saturday, Sunday, or legal holiday;\n- Extend for clerk-office inaccessibility;\n- Electronic filing ordinarily remains open until midnight in the court’s time zone.\n\nNo additional three days automatically attach merely because the debtor notice arrived through ordinary mail; the Kansas three-day extension applies only to the specific later-paper service methods identified in K.S.A. 60-206(d). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/)\n\n## F3. Proof commonly relevant\n\n### Exempt-source claim\n\n- Benefit award or payment statement;\n- Treasury or agency payment code;\n- Direct-deposit record;\n- Full account statements;\n- Deposit and transfer dates;\n- Withdrawals;\n- Commingled deposits;\n- Check images;\n- Affidavit where statute requires one.\n\n### Joint-owner claim\n\n- Account agreement;\n- Ownership form;\n- State law creating ownership;\n- Deposit sources;\n- Tax reporting;\n- Withdrawal history;\n- Contribution records;\n- Evidence of gift or agency;\n- Business or trust records.\n\n### Fiduciary or representative-payee claim\n\n- Appointment document;\n- Program rules;\n- Beneficiary identity;\n- Account title;\n- Deposit source;\n- Expenditure history;\n- No-beneficial-ownership proof.\n\n### Payment or satisfaction claim\n\n- Creditor ledger;\n- Receipts;\n- Settlement agreement;\n- Court satisfaction;\n- Bank records;\n- Disputed fee and interest calculation.\n\n## F4. Filing the request does not automatically release funds\n\nNo reviewed Kansas provision makes the mere filing of an exemption request an automatic release or stay.\n\nThe bank continues to hold funds until:\n\n- The court orders release;\n- The creditor releases the garnishment;\n- The 60-day statutory bank-release condition occurs;\n- A substitute bond is approved;\n- Another statutory event applies.\n\nAn emergency request can ask the court for expedited relief, but the availability and timing of an emergency order depend on the actual court and record.\n\n# G. Wrongful garnishment, bank protection, and remedies\n\n## G1. Role-specific consequence matrix\n\n| Conduct | Potential consequence | Required process or limit |\n| --- | --- | --- |\n| Bank follows facially valid order and applicable federal review | State and federal safe-harbor protection | Good faith and statutory compliance |\n| Bank freezes automatically protected federal amount | Federal compliance violation | Regulatory enforcement and actual remedy depend on facts |\n| Bank fails to answer | Court judgment, expenses, fees possible | Creditor motion, notice, hearing |\n| Bank answers but refuses to pay court-directed amount | Contempt, fine, judgment, expenses, fees possible | Court motion and finding |\n| Creditor challenges bank answer without good cause | Bank’s expenses and reasonable attorney fees possible | Court determination |\n| Creditor continues holding proven nondebtor funds after ownership adjudication | Actual damages possible | Ownership order, release opportunity, causation, loss |\n| Initial joint-account withholding later shown excessive | No automatic creditor/bank liability merely from initial freeze | K.S.A. 60-733(f) |\n| Creditor overcollects | Prompt refund required | Proof of overpayment |\n| Garnishment targets exempt property | No garnishment judgment against exempt property | Exemption proof and court determination |\n| Bank asserts setoff but never applies it | Bank not discharged merely by assertion | K.S.A. 60-719 |\n| Debtor posts approved substitute bond | Bank discharged and funds released | Court-approved bond |\n\nKansas does not guarantee restoration within a fixed number of hours after a claim, punitive damages, or attorney fees to every successful claimant. Remedies depend on the actor, statutory route, notice, court order, fault, and proved loss.\n\n# H. Official forms and instructions\n\n## H1. Kansas Judicial Council inventory\n\nThe official Kansas Judicial Council pages identify the following nonearnings forms:\n\n| Form title | Intended user or function | Status in this pass |\n| --- | --- | --- |\n| Request for Garnishment — nonearnings | Judgment creditor request | Title located; current PDF inaccessible |\n| Order of Garnishment — nonearnings | Court order to bank/garnishee | Title located; current PDF inaccessible |\n| Answer of Garnishee — nonearnings | Bank answer | Title located; current PDF inaccessible |\n| Instructions to Garnishee — nonearnings | Bank operational instructions | Title located; current PDF inaccessible |\n| Notice to Judgment Debtor — nonearnings | Debtor notice and exemption rights | Title located; current PDF inaccessible |\n| Order to Pay Money | Court-directed turnover | Title located; current PDF inaccessible |\n| Release of Garnishment | Creditor/court release | Listed on garnishment form pages; current PDF inaccessible |\n\nOfficial pages:\n\nPlain text\n```\nhttps://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment\n\nhttps://www.kjc.ks.gov/legal-forms/chapter-61-civil-actions/garnishment-and-attachment\n```\n\nDirect page and PDF access returned HTTP 403 during this research. Exact current English revision dates and complete form clauses therefore were not recovered. The forms are not used as substantive authority here. [Kansas Judicial Council+1](https://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment)\n\n## H2. Federal model notice\n\n31 C.F.R. Part 212 includes an optional model notice for the federal benefit account-review process. A bank can use another notice if it contains the required information. Use of the model does not establish that the account or funds are actually protected beyond the regulatory calculation.\n\n# I. Master actor and stage matrix\n\n| Actor | Stage | Trigger or document | Burden or formula | Available order or consequence | Principal gap |\n| --- | --- | --- | --- | --- | --- |\n| Judgment creditor | Initiation | Valid judgment; 14 days elapsed; request and balance | Creditor | Garnishment order | Actual judgment and balance |\n| Assignee/debt buyer | Initiation | Judgment ownership and assignment | Assignee | May request if enforcement authority proved | Actual chain and account link |\n| Court/clerk | Issuance | Proper request and competent jurisdiction | Court | Order and answer form | Actual court route |\n| Bank | Federal review | Order plus sufficient identifying information | Part 212 formula | Protected amount and freeze | Payment codes/account title |\n| Bank | Kansas withholding | 110% order ceiling, available nonexempt funds | min(1.10J, available funds) | Hold funds and answer | Actual funds |\n| Creditor | Debtor notice | Bank service completed | Immediate notice | Starts debtor-hearing period | Service proof |\n| Bank | Answer | Service of order | 14 days | Reports property, fees, offsets | Actual answer |\n| Debtor | Exemption claim | Notice service | Debtor proves exemption | Release or partial release | Source/tracing |\n| Nondebtor joint owner | Ownership claim | Joint funds frozen | Claimant rebuts equal presumption | Release of nondebtor share | Ownership law/evidence |\n| Creditor or debtor | Reply to answer | Bank answer sent | Reply filer disproves answer | Hearing | Transmission date |\n| Bank | Offset | Bank claims debt or lien | Bank proves and actually applies | Potential reduction/discharge | Contract/setoff law |\n| Court | Payment | No timely reply or dispute resolved | Court | Order to pay or release | Final findings |\n| Bank | 60-day release | No pay order after answer | Statutory condition | May release funds | Receipt dates |\n| Creditor | Overpayment | Receives more than due | Creditor accounting | Prompt refund | Actual ledger |\n| Bank | Nonanswer/nonpayment | Statutory failure | Court after motion | Judgment, contempt, fees | Notice and defenses |\n| Creditor | Wrongful continued hold | Ownership/exemption adjudicated | Claimant proves loss | Actual damages possible | Causation/remedy |\n| Federal banking regulator | Part 212 compliance | Bank violation | Agency authority | Regulatory enforcement | Institution/regulator |\n| Account holder | Underlying federal exemption | Excess above automatic amount | Claimant traces and proves source | Additional release | Statements/payment history |\n\n# J. Bounded hypothetical workflows\n\nAll figures are hypothetical. Arithmetic does not establish judgment validity, creditor entitlement, account ownership, exemption, or permission to collect.\n\n## J1. Ordinary unprotected checking balance\n\n**Assumptions**\n\nPlain text\n```\nCurrent judgment balance                 $5,000\nKansas order ceiling: 110%                5,500\nAccount balance                           3,000\nCovered federal benefit deposits              0\nState exemption established                   0\nBank fee                                     15\n```\n\nWithholding:\n\nPlain text\n```\nmin($5,500, $3,000) = $3,000\n```\n\nBecause available funds do not cover the full order plus fee:\n\nPlain text\n```\nBank retains fee                           $15\nPotential amount toward judgment         2,985\n```\n\nThe creditor receives nothing until the Kansas payment process is completed.\n\n## J2. Covered federal direct deposits\n\n**Assumptions**\n\nPlain text\n```\nAccount balance at review                $4,800\nCovered direct deposits in lookback       3,600\nKansas order exceeds account balance\nNo Notice of Right to Garnish attached\n```\n\nAutomatic protected amount:\n\nPlain text\n```\nmin($4,800, $3,600) = $3,600\n```\n\nPotentially frozen excess:\n\nPlain text\n```\n$4,800 − $3,600 = $1,200\n```\n\nThe bank cannot deduct its $15 garnishment fee from the protected $3,600. The account holder can still claim that some or all of the $1,200 is exempt under the underlying benefit statute or another law.\n\n## J3. Federal benefit paid by paper check\n\n**Assumptions**\n\n- A $1,500 Social Security check is deposited manually.\n- No encoded covered direct deposit appears during the two-month lookback.\n- The account balance is $1,500.\n\nPart 212 automatic protection:\n\nPlain text\n```\n$0\n```\n\nUnderlying §407 claim:\n\nPlain text\n```\nPotentially $1,500 if the claimant proves\nthe deposit is Social Security money that\nretained its exempt character.\n```\n\nNo automatic result follows from the bank’s inability to identify the payment electronically.\n\n## J4. Transfer of benefits between accounts\n\n**Assumptions**\n\n- $2,000 of VA benefits are directly deposited into Account A.\n- The consumer transfers $1,800 to Account B.\n- Account B is garnished.\n- Account B has no covered direct deposits during the lookback.\n\nPart 212 automatic protection in Account B:\n\nPlain text\n```\n$0\n```\n\nPotential underlying VA exemption:\n\nPlain text\n```\nUp to the proven traceable amount,\nsubject to account history, withdrawals,\ncommingling, and whether the funds retained\nthe character of money available for support.\n```\n\nThe bank does not perform transfer tracing. The court determines the underlying exemption if properly claimed.\n\n## J5. Deposited ordinary wages\n\n**Assumptions**\n\n- $1,200 of ordinary wages are deposited.\n- No other exemption applies.\n- The garnishment occurs under the current “payable” definition.\n\nHistorical branch:\n\nPlain text\n```\nFormer law included compensation “paid or payable.”\nStormont-Vail allowed specifically traceable deposited wages.\n```\n\nCurrent branch:\n\nPlain text\n```\n“Paid or” was deleted in 2022.\nNo current controlling appellate decision was located.\n```\n\n**Result:** The current exemption outcome is held. Neither complete protection nor complete nonprotection is asserted.\n\n## J6. Joint account and nondebtor ownership\n\n**Assumptions**\n\nPlain text\n```\nJoint account balance                    $10,000\nKansas order ceiling                       5,500\nKansas law governs account ownership\nNo federal benefit protection\n```\n\nInitial bank action:\n\nPlain text\n```\nWithhold up to $5,500\n```\n\nStarting Kansas ownership presumption:\n\nPlain text\n```\nDebtor presumed share                    $5,000\nNondebtor presumed share                  5,000\n```\n\nIf the nondebtor proves that all $10,000 came from the nondebtor and the debtor had no beneficial ownership, the court can release the entire frozen amount. If the evidence does not rebut the presumption, the creditor cannot ordinarily receive more than the debtor’s proven share even though the bank initially froze $5,500.\n\n## J7. Garnishment order carries federal notice\n\n**Assumptions**\n\n- The order includes a valid “Notice of Right to Garnish Federal Benefits.”\n- The issuer and debt fall within the federal notice authority.\n\nResult:\n\nPlain text\n```\nPart 212 automatic account review          No\nOrdinary special-order procedure            Applies\nUnderlying exemptions and statutory\nexceptions                                 Still relevant\n```\n\nAn ordinary private creditor cannot create this exception by adding its own label to the order.\n\n## J8. Funds above the automatic protected amount\n\n**Assumptions**\n\nPlain text\n```\nCovered direct deposits in lookback       $2,000\nBalance at review                          5,000\nAutomatic protected amount                 2,000\nInitially frozen                           3,000\n```\n\nThe account holder proves that an additional $1,400 consists of older traceable Social Security deposits that remained in the account.\n\nPotential court result:\n\nPlain text\n```\nAutomatic release                         $2,000\nAdditional traced release                  1,400\nPotentially garnishable remainder          1,600\n```\n\nThe bank’s automatic calculation is not an adjudication that the remaining $3,000 is nonexempt.\n\n## J9. Debtor discovers freeze but service date is unclear\n\n**Facts**\n\n- Online banking shows a freeze.\n- The debtor finds a notice in the mail.\n- The envelope is not postmarked clearly.\n- The creditor’s certificate does not establish delivery.\n\nResult:\n\nPlain text\n```\nExact 14-day hearing deadline     Cannot be calculated reliably\nAutomatic release from filing     No\n```\n\nRelevant evidence includes:\n\n- Creditor’s certificate;\n- Mailing record;\n- Delivery evidence;\n- Email or portal log if used;\n- Date the notice came to the debtor’s attention;\n- Court docket.\n\nThe court may need to determine service before applying the deadline.\n\n## J10. Successive orders\n\n**Assumptions**\n\n- First bank order is served and reviewed.\n- Account balance is zero after the first proceeding.\n- New deposits arrive later.\n- Creditor obtains a genuinely new order within the statutory frequency limits.\n\nFirst order:\n\nPlain text\n```\nNo continuing freeze of later deposits\n```\n\nNew order:\n\nPlain text\n```\nNew Kansas account snapshot\nNew Part 212 account review\nNew protected-amount calculation\n```\n\nThe same creditor ordinarily cannot issue more than two orders in 30 days without the statutory judicial exception.\n\n## J11. Bank fee where only a small unprotected deposit appears\n\n**Assumptions**\n\nPlain text\n```\nAutomatic protected amount                $2,000\nNo unprotected funds at initial review\nThree business days later:\nnonbenefit deposit                            10\nKansas bank fee                               15\n```\n\nUnder Part 212, the bank can collect no more than the nonprotected funds deposited within the five-business-day fee window:\n\nPlain text\n```\nMaximum fee collection                      $10\nRemaining unpaid fee                         $5\n```\n\nThe bank cannot invade the protected $2,000.\n\n## J12. Workers’ compensation and unemployment commingling\n\n### Workers’ compensation branch\n\nPlain text\n```\nWorkers’ compensation deposit             $8,000\nNo other deposits\nComplete trace maintained\n```\n\nThe Kansas exemption can continue after deposit because the proceeds remain identifiable and uncommingled.\n\n### Unemployment branch\n\nPlain text\n```\nUnemployment benefits                     $2,000\nOther funds deposited into same balance    1,000\nFunds mingled\n```\n\nK.S.A. 44-718 expressly conditions the received-benefit exemption on the benefits not being mingled with other funds. The legal result can depend on whether the account records permit separation and how Kansas construes “mingled” on the actual facts; the statute’s anti-commingling condition cannot be ignored.\n\n## J13. Creditor’s claimed balance is disputed\n\n**Assumptions**\n\nPlain text\n```\nOrder states current balance              $4,000\n110% withholding ceiling                  4,400\nAccount balance                            6,000\nNo automatic exemption\nDebtor has proof of an uncredited\nsettlement payment                         2,500\n```\n\nBank’s initial Kansas calculation:\n\nPlain text\n```\nPotential initial hold                    $4,400\n```\n\nThe initial hold does not decide the true balance. If the debtor establishes that only $1,500 remains due:\n\nPlain text\n```\nMaximum creditor entitlement              $1,500\nExcess frozen funds to release             2,900\n```\n\nAny bank fee and interest must be addressed separately under the judgment and garnishment record.\n\n# K. Source register\n\n| Source ID | Title, issuer, and full literal URL | Exact material read | Status, access date, and limits |\n| --- | --- | --- | --- |\n| **S_KS-P21-S001** | Kansas postjudgment garnishment initiation — Kansas Revisor https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0029_section/060_007_0029_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0031_section/060_007_0031_k/ | Complete material K.S.A. 60-729 and 60-731 | **Fresh Oct. 26, 2026 Pacific/UTC.** Current 2026 HTML; no printed page/PDF index. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0029_section/060_007_0029_k/) |\n| **S_KS-P21-S002** | Kansas intangible-property and financial-institution garnishment — Kansas Revisor https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0032_section/060_007_0032_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/ | Complete K.S.A. 60-732 and 60-733, including 110%, $15 fee, joint accounts, multiple accounts, and frequency limit | **Fresh.** Current HTML. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/) |\n| **S_KS-P21-S003** | Kansas debtor notice, bank answer, reply, and payment — Kansas Revisor https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0036_section/060_007_0036_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0038_section/060_007_0038_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0039_section/060_007_0039_k/ | Complete relevant notice, 14-day answer/hearing/reply, burden, payment, and 60-day release clauses | **Fresh.** Current official HTML. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/) |\n| **S_KS-P21-S004** | Kansas bank offsets, rights, bonds, exempt property, and bank failures — Kansas Revisor https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0019_section/060_007_0019_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0021_section/060_007_0021_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0022_section/060_007_0022_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0024_section/060_007_0024_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0041_section/060_007_0041_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0042_section/060_007_0042_k/ | Complete material clauses | **Fresh.** Current official HTML. [Kansas Legislature+5](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0041_section/060_007_0041_k/) |\n| **S_KS-P21-S005** | Kansas Chapter 61 parallel garnishment provisions — Kansas Revisor https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0005_section/061_035_0005_k/ through https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0016_section/061_035_0016_k/ | Material financial-institution order, notice, answer, reply, payment, and liability provisions | **Fresh selected read.** Parallel route; no whole Chapter 61 audit. |\n| **S_KS-P21-S006** | Kansas general personal-property and benefit exemptions — Kansas Revisor https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0008_section/060_023_0008_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0013_section/060_023_0013_k/ | Complete material ordinary property, retirement, and enumerated-benefit clauses | **Fresh.** No full sector-specific exemption dossier. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/) |\n| **S_KS-P21-S007** | Kansas public-assistance, workers’ compensation, unemployment, and life-insurance protections — Kansas Revisor https://www.kslegislature.gov/b2025_26/laws/039_000_0000_chapter/039_007_0000_article/039_007_0017_section/039_007_0017_k/ https://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_005_0000_article/044_005_0014_section/044_005_0014_k/ https://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_007_0000_article/044_007_0018_section/044_007_0018_k/ https://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_004_0000_article/040_004_0014_section/040_004_0014_k/ | Complete material exemption and exception language | **Fresh.** Current HTML. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/039_000_0000_chapter/039_007_0000_article/039_007_0017_section/039_007_0017_k/) |\n| **S_KS-P21-S008** | Current and historical Kansas earnings text Current K.S.A. 60-2310: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0010_section/060_023_0010_k/ 2022 HB 2608: https://www.kslegislature.gov/li_2022/b2021_22/measures/documents/hb2608_enrolled.pdf | Current “payable” definition; HB 2608 §4, PDF indices 9–11 / printed pages 10–12 | **Fresh selected PDF and current-statute read.** [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0010_section/060_023_0010_k/) |\n| **S_KS-P21-S009** | *Stormont-Vail Healthcare v. Sievers*, Kansas Supreme Court https://law.justia.com/cases/kansas/supreme-court/2021/121109.html | Former-text deposited-wage tracing holding | **Historical in material part after 2022 amendment.** Public opinion reproduction; no PDF index. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2021/121109.html) |\n| **S_KS-P21-S010** | Kansas joint-account ownership cases *Walnut Valley State Bank v. Stovall*: https://law.justia.com/cases/kansas/supreme-court/1978/48-306-1.html *Purma v. Stark*: https://law.justia.com/cases/kansas/supreme-court/1978/48-868-1.html *Miller v. Clayco State Bank*: https://law.justia.com/cases/kansas/court-of-appeals/1985/56-790-9.html | Equal presumption, beneficial ownership, wrongful continued retention | **Fresh selected reads.** Older but still material; no complete citator. [Justia Law+2](https://law.justia.com/cases/kansas/supreme-court/1978/48-306-1.html) |\n| **S_KS-P21-S011** | *M&I Marshall & Ilsley Bank v. Higdon*, Kansas Supreme Court https://law.justia.com/cases/kansas/supreme-court/2024/125672.html | Conflict-of-law treatment of account ownership and tenancy by entirety | **Fresh selected read.** Published 2024 opinion. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2024/125672.html) |\n| **S_KS-P21-S012** | *LSF Franchise REO I v. Emporia Restaurants*, Kansas Supreme Court https://law.justia.com/cases/kansas/supreme-court/2007/93622.html | Burden to prove trust/nonownership, commingling, ownership at service | **Fresh selected read.** Commercial-account facts. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2007/93622.html) |\n| **S_KS-P21-S013** | *Decker & Mattison v. Wilson*, Kansas Supreme Court https://law.justia.com/cases/kansas/supreme-court/2002/86433.html | Traceable workers’ compensation proceeds after deposit and joint-account transfer | **Fresh selected read.** [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2002/86433.html) |\n| **S_KS-P21-S014** | Federal benefit account-review rule — eCFR https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212 | Complete material definitions, account review, protected amount, fees, notice, safe harbor, records, and preemption provisions | **Fresh Oct. 26, 2026.** eCFR current through Oct. 22, 2026; Title 31 last amended Oct. 15, 2026. [eCFR+3](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212) |\n| **S_KS-P21-S015** | Social Security and SSI anti-garnishment statutes — OLRC https://uscode.house.gov/us/usc/119-120/t42/s407/ https://uscode.house.gov/us/usc/119-120/t42/s1383/ | Complete material §407 and §1383(d)(1) protections | **Fresh.** OLRC current through Public Law 119-120, Oct. 7, 2026. [U.S. Code+1](https://uscode.house.gov/us/usc/119-120/t42/s407/) |\n| **S_KS-P21-S016** | Veterans-benefit protection — OLRC https://uscode.house.gov/us/usc/119-120/t38/s5301/ | Complete material exemption language and exceptions | **Fresh.** [U.S. Code](https://uscode.house.gov/us/usc/119-120/t38/s5301/) |\n| **S_KS-P21-S017** | Federal retirement and railroad benefit statutes — OLRC/GovInfo https://uscode.house.gov/us/usc/119-120/t5/s8346/ https://uscode.house.gov/us/usc/119-120/t5/s8470/ https://uscode.house.gov/us/usc/119-120/t45/s231m/ https://uscode.house.gov/us/usc/119-120/t45/s352/ | Material anti-assignment and anti-garnishment provisions | **Fresh selected read/search.** Program-specific exceptions not exhaustively analyzed. [U.S. Code+3](https://uscode.house.gov/us/usc/119-120/t5/s8346/) |\n| **S_KS-P21-S018** | Federal deposited-benefit cases *Philpott*: https://supreme.justia.com/cases/federal/us/409/413/ *Porter*: https://supreme.justia.com/cases/federal/us/370/159/ *Lawrence*: https://supreme.justia.com/cases/federal/us/300/245/ | Traceable Social Security and VA deposits retaining exempt character | **Fresh selected reads of reproduced Supreme Court opinions.** [Justia Law+2](https://supreme.justia.com/cases/federal/us/409/413/) |\n| **S_KS-P21-S019** | Kansas Judicial Council nonearnings garnishment forms https://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment https://www.kjc.ks.gov/legal-forms/chapter-61-civil-actions/garnishment-and-attachment | Official form-title inventory | **Failed direct access/HTTP 403.** Revision dates and full form text not read; no substantive reliance. [Kansas Judicial Council+1](https://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment) |\n| **S_KS-P21-S020** | Kansas service and time computation https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/ https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/ | Garnishment service and day-counting provisions | **Fresh.** No actual service or court-closure facts. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/) |\n\n# L. Claim register\n\n| Claim ID | Precise claim | Source and pinpoint | Actor/stage, predicates, consequence, confidence |\n| --- | --- | --- | --- |\n| **S_KS-P21-C001** | Ordinary Kansas bank garnishment is postjudgment and available after 14 days. | S001, K.S.A. 60-731 | Creditor/court; valid judgment required. **High.** |\n| **S_KS-P21-C002** | No prior execution or creditor bond is ordinarily required for postjudgment garnishment. | S001 | Creditor initiation. **High.** |\n| **S_KS-P21-C003** | Bank garnishment does not arise automatically from debt, collection demand, debt-relief enrollment, or bare award. | S001–S003 | Procedural boundary. **High.** |\n| **S_KS-P21-C004** | Nonwage order reaches intangible property held at service and becoming due before answer. | S002, §60-732 | Bank snapshot period. **High.** |\n| **S_KS-P21-C005** | Financial-institution order directs withholding up to 110% of current judgment balance. | S002, §60-733 | Bank calculation; not new debt. **High.** |\n| **S_KS-P21-C006** | Kansas bank fee is $15 per order. | S002 | Bank; subject to federal protected amount. **High.** |\n| **S_KS-P21-C007** | If funds are insufficient for both order and fee, fee is deducted from withheld amount. | S002 | Bank calculation. **High.** |\n| **S_KS-P21-C008** | Bank may use one or more debtor accounts. | S002 | Multiple-account process. **High.** |\n| **S_KS-P21-C009** | Bank initially may withhold entire requested amount from joint account. | S002 | Initial freeze only. **High.** |\n| **S_KS-P21-C010** | Creditor ultimately reaches only debtor’s beneficial ownership interest. | S010–S012 | Court ownership determination. **High.** |\n| **S_KS-P21-C011** | Kansas joint account starts with rebuttable equal-ownership presumption. | S010 | Claimant of unequal share bears burden. **High.** |\n| **S_KS-P21-C012** | Foreign-state law can govern ownership of account interest created there. | S011 | Conflict-of-laws branch. **High.** |\n| **S_KS-P21-C013** | Same creditor ordinarily limited to two garnishments per 30 days on same claim/debtor. | S002 | Judicial exception requires statutory showing. **High.** |\n| **S_KS-P21-C014** | Creditor must send debtor notice immediately after bank service. | S003, §60-735 | Creditor; service proof matters. **High.** |\n| **S_KS-P21-C015** | Debtor hearing request due within 14 days after notice service. | S003 | Debtor; actual service date required. **High.** |\n| **S_KS-P21-C016** | Hearing occurs 7–14 days after request. | S003 | Court. **High.** |\n| **S_KS-P21-C017** | Debtor bears burden to establish claimed exemption. | S003 | Debtor hearing. **High.** |\n| **S_KS-P21-C018** | Bank answer due within 14 days after order service. | S003, §60-736 | Bank. **High.** |\n| **S_KS-P21-C019** | Creditor or debtor can reply within 14 days after answer sent. | S003, §60-738 | Challenger. **High.** |\n| **S_KS-P21-C020** | Reply filer bears burden to disprove answer; bank bears burden on offsets/liens. | S003 | Hearing. **High.** |\n| **S_KS-P21-C021** | Court—not creditor alone—directs turnover. | S003, §60-739 | Court payment stage. **High.** |\n| **S_KS-P21-C022** | Bank may release funds if no pay order within 60 days after creditor receives answer. | S003 | Bank safe-release route. **High.** |\n| **S_KS-P21-C023** | Bank nonanswer/nonpayment liability requires motion, notice, and court determination. | S004 | Bank enforcement. **High.** |\n| **S_KS-P21-C024** | Court cannot enter garnishment judgment against exempt property. | S004, §60-724 | Court/exemption. **High.** |\n| **S_KS-P21-C025** | Substitute bond can discharge bank and release funds if court approves. | S004, §60-722 | Debtor. **High.** |\n| **S_KS-P21-C026** | Bank setoff assertion alone does not discharge bank until actually applied. | S004, §60-719 | Bank. **High.** |\n| **S_KS-P21-C027** | No general resident cash/bank wildcard was located in reviewed K.S.A. 60-2304. | S006 | Bounded negative finding. **Medium-high.** |\n| **S_KS-P21-C028** | Public assistance is protected from garnishment and legal process. | S007, K.S.A. 39-717 | Source-specific. **High.** |\n| **S_KS-P21-C029** | Workers’ compensation is protected and exemption is nonwaivable, subject to exceptions. | S007, K.S.A. 44-514 | Source-specific. **High.** |\n| **S_KS-P21-C030** | Traceable, uncommingled workers’ compensation can remain exempt after deposit. | S013 | Debtor/tracing. **High case holding.** |\n| **S_KS-P21-C031** | Received unemployment benefits remain exempt only while not mingled with other funds. | S007, K.S.A. 44-718 | Source and commingling required. **High.** |\n| **S_KS-P21-C032** | Qualified retirement interests/payments receive statutory protection subject to exceptions. | S006, K.S.A. 60-2308 | Plan-specific. **High.** |\n| **S_KS-P21-C033** | Certain federal pension deposits within preceding three months can be exempt on support proof. | S006 | Affidavit/other evidence required. **High.** |\n| **S_KS-P21-C034** | Life-insurance interests/proceeds receive source-specific protection subject to statutory exceptions. | S007, K.S.A. 40-414 | Policy facts required. **High.** |\n| **S_KS-P21-C035** | Former Kansas law allowed traceable deposited wages under “paid or payable.” | S009 | Historical. **High.** |\n| **S_KS-P21-C036** | 2022 law deleted “paid or,” materially limiting *Stormont-Vail*’s current application. | S008 | Currentness correction. **High.** |\n| **S_KS-P21-C037** | Current ordinary deposited-wage exemption remains unresolved in reviewed appellate authority. | S008–S009 | Exact current result held. **Medium-high.** |\n| **S_KS-P21-C038** | Account or trust label alone does not prove nondebtor ownership. | S012 | Claimant/tracing. **High.** |\n| **S_KS-P21-C039** | Ownership is determined at garnishment service, not by later intended transfer. | S012 | Court. **High.** |\n| **S_KS-P21-C040** | Part 212 covers specified encoded federal benefit direct deposits. | S014 | Bank federal review. **High.** |\n| **S_KS-P21-C041** | Bank generally reviews within two business days absent a valid federal-benefit notice. | S014 | Bank; sufficient identifying info required. **High.** |\n| **S_KS-P21-C042** | Valid Notice of Right to Garnish Federal Benefits bypasses automatic account review. | S014 | Specialized government/support order. **High.** |\n| **S_KS-P21-C043** | Automatic protected amount is lesser of covered lookback deposits and account balance. | S014 | Dollar formula. **High.** |\n| **S_KS-P21-C044** | Automatic review disregards commingling and joint ownership. | S014 | Bank stage. **High.** |\n| **S_KS-P21-C045** | Bank performs separate review per account and does not trace account-to-account transfers. | S014 | Bank stage. **High.** |\n| **S_KS-P21-C046** | Same order gets one review; new or different order requires new review. | S014 | Successive orders. **High.** |\n| **S_KS-P21-C047** | Bank cannot continually freeze later deposits under same order after review. | S014 | Federal preemption. **High.** |\n| **S_KS-P21-C048** | Bank fee cannot be collected from protected amount. | S014 | Bank fee. **High.** |\n| **S_KS-P21-C049** | Bank notice generally due within three business days when regulatory conditions are met. | S014 | Bank/account holder. **High.** |\n| **S_KS-P21-C050** | Automatic amount is not ceiling on underlying federal or state exemption. | S014 | Court exemption claim remains. **High.** |\n| **S_KS-P21-C051** | Social Security and SSI have underlying federal anti-garnishment protection. | S015 | Program-specific exceptions. **High.** |\n| **S_KS-P21-C052** | VA benefits have underlying before-and-after-receipt protection subject to exceptions. | S016 | Program-specific. **High.** |\n| **S_KS-P21-C053** | Federal retirement and railroad benefits have separate statutory protections. | S017 | Program-specific exceptions. **High.** |\n| **S_KS-P21-C054** | Paper benefit check does not trigger automatic Part 212 review. | S014 | Underlying exemption can still be claimed. **High.** |\n| **S_KS-P21-C055** | Deposited Social Security/VA funds can remain exempt if traceable and retaining money character. | S018 | Underlying exemption/tracing. **High.** |\n| **S_KS-P21-C056** | Federal Part 212 bank safe harbors require good-faith compliance or specified error conditions. | S014 | Bank. **High.** |\n| **S_KS-P21-C057** | Initial joint-account freeze does not create automatic damages when ownership later disproved. | S002 | Statutory initial safe harbor. **High.** |\n| **S_KS-P21-C058** | Continued retention after ownership adjudication can support actual damages. | S010 | Creditor conduct/causation. **High case-specific.** |\n| **S_KS-P21-C059** | Filing an exemption request does not automatically release funds or stay garnishment. | S003–S004 | Court order/release needed. **High bounded reading.** |\n| **S_KS-P21-C060** | Exact deadline cannot be calculated without service and filing facts. | S003, S020 | Time computation. **High.** |\n| **S_KS-P21-C061** | Current Judicial Council form titles were located, but current PDFs and revision dates were inaccessible. | S019 | Access-status claim. **High.** |\n| **S_KS-P21-C062** | PASS-21 establishes no actual freeze, exemption, ownership, remedy, or authority to collect. | Scope | Project-status statement. **High.** |\n\n# M. Coverage and remaining gaps\n\n| Assigned issue | Status | Claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| Postjudgment bank-garnishment route | **Answered** | C001–C004 | Actual judgment and court |\n| Fourteen-day waiting period | **Answered** | C001 | Judgment entry and stay facts |\n| Prejudgment bank attachment | **Excluded except boundary** | — | Separate attachment pass |\n| 110% withholding | **Answered** | C005 | Actual judgment balance |\n| $15 bank fee | **Answered** | C006–C007 | Actual funds and federal protection |\n| Service-to-answer snapshot | **Answered** | C004 | Actual service/answer dates |\n| Multiple accounts | **Answered generally** | C008 | Account ownership and sources |\n| Joint-account initial freeze | **Answered** | C009 | Actual account title and balance |\n| Joint-account ultimate ownership | **Answered doctrinally** | C010–C012 | Contributions, foreign law, account records |\n| Successive garnishments | **Answered** | C013, C046–C047 | Actual order identity and dates |\n| Debtor notice | **Answered** | C014–C017 | Service proof |\n| Bank answer | **Answered** | C018 | Actual answer |\n| Reply and hearing | **Answered** | C019–C020 | Transmission and filing dates |\n| Payment order | **Answered** | C021 | Actual court order |\n| 60-day release | **Answered** | C022 | Creditor receipt date |\n| Bank default/nonpayment | **Answered** | C023 | Motion, defenses, court findings |\n| Bank setoff | **Answered narrowly** | C026 | Account agreement and protected-fund restrictions |\n| Substitute bond | **Answered** | C025 | Court-approved amount/security |\n| General cash exemption | **No general amount located in reviewed provision** | C027 | Other sector/local statutes |\n| Public assistance | **Answered** | C028 | Payment identification |\n| Workers’ compensation | **Answered** | C029–C030 | Source and tracing |\n| Unemployment | **Answered with anti-commingling condition** | C031 | Actual commingling |\n| Retirement | **Partial gateway** | C032–C033 | Plan qualification and exceptions |\n| Life insurance | **Partial gateway** | C034 | Policy/proceeds facts |\n| Deposited ordinary wages | **Unresolved under current text** | C035–C037 | Current controlling case or additional statute |\n| Trust/fiduciary funds | **Answered doctrinally** | C038–C039 | Actual trust and tracing evidence |\n| Federal automatic review | **Answered** | C040–C050 | Actual payment codes/order |\n| Federal notice exception | **Answered** | C042 | Actual issuer/order authority |\n| Lookback formula | **Answered** | C043 | Actual deposits/balance |\n| Commingling under Part 212 | **Answered** | C044 | Underlying exemption still separate |\n| Account transfers | **Answered for automatic review; underlying claim held** | C045, C055 | Transfer records and tracing |\n| Paper benefit check | **Answered** | C054–C055 | Actual check/source |\n| Social Security/SSI | **Answered generally** | C051, C055 | Federal exception and tracing facts |\n| VA benefits | **Answered generally** | C052, C055 | Program exception and tracing |\n| OPM/Railroad | **Answered generally** | C053 | Exact benefit and exception |\n| Bank fee against protected amount | **Answered—prohibited** | C048 | Actual nonprotected funds |\n| Federal bank notice | **Answered** | C049 | Actual conditions and delivery |\n| Underlying exemption above automatic amount | **Answered conceptually** | C050–C055 | Court claim and tracing |\n| Representative payee/fiduciary | **Partial** | C038–C040 | Account title, program rules, beneficial owner |\n| Joint owner burden | **Answered generally** | C010–C012 | Evidence and applicable state law |\n| Wrongful initial freeze | **Safe-harbor boundary answered** | C057 | Good faith and statutory compliance |\n| Wrongful continued retention | **Answered through case boundary** | C058 | Ownership order, delay, actual damages |\n| Automatic stay from exemption request | **Not established** | C059 | Court order required |\n| Time computation | **Answered generally** | C060 | Actual dates, holiday, court access |\n| Current Kansas forms | **Inventory only** | C061 | Recover accessible current PDFs and revisions |\n| Bank levy of deposited benefits beyond this scope | **Partial** | C040–C055 | Program-specific full dossier |\n| Wage garnishment | **Excluded** | — | PASS-20 remains unreviewed |\n| Physical personal property | **Excluded** | — | Separate execution pass |\n| Homestead and real estate | **Excluded** | — | Separate property-exemption pass |\n| Business accounts | **Excluded** | — | Entity/property and commercial-debt analysis |\n| Support/tax/student-loan/federal agency | **Excluded except notice boundary** | C042 | Specialized passes |\n| Bankruptcy | **Excluded** | — | Stay, turnover, discharge, exemptions |\n| Underlying judgment lifecycle | **Not adopted from PASS-19** | — | Separate coordinator review |\n| Standing/assignment/debt validity | **Excluded** | C062 | Actual judgment and chain |\n| Local, tribal, foreign-country law | **Excluded** | — | Separate jurisdictional review |\n| Complete citator/history audit | **Not performed** | C037, C055, C058 | Later appellate review |\n| Actual account or court record | **Not reviewed** | C062 | Authorized public/private evidence required |\n| Component/state/parent/A066 acceptance | **Not evaluated** | C062 | No acceptance follows |\n\n# N. Researcher self-check\n\n## Actually read or inspected\n\n- Current Kansas postjudgment garnishment initiation provisions.\n- Current Kansas nonwage/intangible-property order and financial-institution order statutes.\n- Current debtor-notice, bank-answer, reply, hearing, payment, release, setoff, bond, exempt-property, and bank-liability provisions.\n- Material parallel Chapter 61 provisions.\n- Current Kansas personal-property, retirement, public-assistance, workers’ compensation, unemployment, and life-insurance exemption provisions.\n- Current K.S.A. 60-2310 and the 2022 enrolled amendment deleting “paid or.”\n- Material Kansas opinions addressing:Joint-account ownership.Beneficial interests.Out-of-state account ownership.Trust and tracing burdens.Workers’ compensation proceeds.Deposited wages under the former statute.Wrongful continued retention.\n- Current 31 C.F.R. Part 212 provisions covering account review, protected amount, later deposits, bank fees, notices, safe harbors, and underlying rights.\n- Current federal statutes protecting Social Security, SSI, VA, OPM, and Railroad benefits.\n- Material Supreme Court cases concerning deposited Social Security and VA funds.\n- Official Kansas Judicial Council form inventories, though direct form access failed.\n\n## Currentness findings\n\n- Kansas’s current earnings definition remains “payable,” not “paid or payable.”\n- The federal Part 212 text was current through October 22, 2026.\n- Title 31 was last amended October 15, 2026 according to eCFR.\n- The underlying federal statutes were checked against OLRC text current through Public Law 119-120, October 7, 2026.\n- No future-effective Kansas amendment restoring the prior deposited-wage wording was located.\n\n## Access limitations\n\n- Current Kansas Judicial Council nonearnings garnishment pages and PDF forms returned HTTP 403.\n- Current form revision dates and complete form clauses were not recovered.\n- Several Kansas cases were read through public reproductions of the court opinions rather than official PDFs.\n- No commercial citator, private docket, bank record, account statement, title record, or payment history was accessed.\n- No complete local-rule or county-clerk survey was performed.\n- No full federal-benefit exception dossier was performed for support, tax, overpayment, or federal-government claims.\n\n## Not established\n\n- Any actual judgment, creditor, assignee, account owner, bank, account number, balance, federal payment code, deposit source, freeze, notice, answer, reply, exemption, court order, payment, release, or damages.\n- Any actual joint-owner contribution percentage.\n- Any current court ruling on ordinary deposited wages under the post-2022 statute.\n- Any universal remedy for a Part 212 violation.\n- Any universal bank-account setoff rule for federal benefits.\n- Any exact filing or hearing deadline for a real person.\n- Any actual right to garnish, release, transfer, withdraw, conceal, or move funds.\n\n## Numeric self-check\n\nThe examples were recalculated:\n\nPlain text\n```\n110% of $5,000 = $5,500\n$3,000 − $15 = $2,985\n\nProtected amount:\nmin($4,800, $3,600) = $3,600\n$4,800 − $3,600 = $1,200\n\nOlder-benefit example:\n$5,000 − $2,000 − $1,400 = $1,600\n\nJoint-account starting shares:\n$10,000 ÷ 2 = $5,000 each\n\nDisputed-balance release:\n$4,400 − $1,500 = $2,900\n```\n\nThose results establish arithmetic only. They do not establish beneficial ownership, exemption, judgment validity, creditor entitlement, or a bank’s final duty.\n\n## Method limits\n\n- A judgment was not treated as automatically freezing an account.\n- A private award was not treated as a judgment.\n- The 110% ceiling was not treated as an increased debt.\n- The bank’s initial joint-account hold was not treated as proof of debtor ownership.\n- Account title was not treated as conclusive ownership.\n- A federal automatic protected amount was not treated as the maximum underlying exemption.\n- Commingling was not treated identically under every state and federal statute.\n- A paper federal-benefit check was not treated as automatically protected under Part 212.\n- A transferred benefit payment was not treated as automatically traceable by the bank.\n- The former deposited-wage holding was not silently applied after the 2022 amendment.\n- Filing an exemption request was not treated as an automatic stay or release.\n- Bank and creditor safe harbors were not converted into blanket immunity.\n- A bank fee was not permitted to invade the federal protected amount.\n- A lien, freeze, or bank answer was not treated as final payment authority.\n- No account-movement, asset-concealment, or evasion instruction is supplied.\n- No garnishment result, exemption result, damages award, bank liability, creditor authority, operational clearance, component acceptance, Kansas acceptance, parent-dossier acceptance, A066 acceptance, or publication readiness is supplied.\n\n## PASS-21 conclusion\n\nKansas bank garnishment is a short, court-controlled postjudgment process—not a continuing claim against every future deposit. A financial institution ordinarily freezes up to 110% of the current judgment balance, subject to its $15 fee, but only within the statutory account snapshot and only after applying federal benefit protections. The creditor must notify the debtor, the bank must answer, and ownership, exemption, setoff, and balance disputes remain for judicial determination.\n\nKansas provides no single general checking-account allowance in the ordinary personal-property provision reviewed. Protection instead depends heavily on source and tracing. Public assistance, workers’ compensation, unemployment benefits, retirement funds, insurance proceeds, and federal benefits each have distinct conditions. Joint-account title does not settle beneficial ownership, and another state’s account-ownership law can control.\n\nFederal Part 212 adds an important automatic layer for specified direct deposits. The bank protects the lesser of two months of covered payments or the account balance, cannot charge its fee against that amount, and cannot treat the same order as a continuing freeze on later deposits. That automatic calculation does not cut off broader Social Security, SSI, VA, Railroad, OPM, state-law, or third-party ownership claims.\n\nThe practical legal questions therefore remain document-driven: what order was served, when; whose account it is; what funds entered it; how they moved; what exemptions apply; what the bank answered; and what the court ordered.\n\nEND S_KS PASS-21.\n\n","tables":[{"headers":["Route","Ordinary bank-garnishment prerequisite","Governing procedure","Principal boundary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Route","Ordinary bank-garnishment prerequisite","Governing procedure","Principal boundary"],["Chapter 60 ordinary civil judgment","More than 14 days after valid judgment","K.S.A. 60-729 through 60-743","No prior execution or creditor bond ordinarily required"],["Chapter 61 limited-action judgment","More than 14 days after valid judgment","K.S.A. 61-3502 through 61-3516","Parallel limited-action process"],["Small-claims judgment","Valid small-claims judgment and applicable Chapter 61 enforcement route","Chapter 61 unless a Small Claims Act provision differs","Small-claims eligibility does not itself prove garnishment entitlement"],["Arbitration award without court judgment","Not sufficient by itself","Separate award-to-judgment process","Bare award is not bank-garnishment process"],["Prejudgment claim","Separate attachment predicates and court order","K.S.A. 60-730 and attachment provisions","Not ordinary postjudgment bank garnishment"],["Federal, tax, support, student-loan, bankruptcy, forfeiture order","Specialized authority","Separate federal or sector law","Excluded except where needed for Part 212 boundary"]]},{"headers":["Fund or property source","Kansas protection reviewed","Deposit/tracing qualification","Principal hold"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Fund or property source","Kansas protection reviewed","Deposit/tracing qualification","Principal hold"],["Ordinary cash/checking balance","No general resident cash or bank-account wildcard located in K.S.A. 60-2304","Source-specific law may still protect it","Bounded search result, not universal absence"],["Public assistance","Paid, payable, or to-be-paid assistance protected from garnishment and legal process","Statute does not contain the unemployment-style anti-commingling sentence","Program and payment identity required"],["Workers’ compensation","Claim and compensation agreed, awarded, adjudged, or paid protected; exemption nonwaivable","Kansas case preserves identifiable, uncommingled proceeds after deposit","Support exception applies"],["Unemployment benefits","Rights and received benefits protected","Received benefits remain exempt only while not mingled with other funds","Necessaries, support, tax, and overpayment exceptions"],["Qualified retirement plans and IRAs","Interests and distributions from specified qualified plans protected","Plan status and statutory exception matter","Support and domestic-relations exceptions"],["Federal pension received within prior three months","Exempt if necessary for support and proved by affidavit or other evidence","Affirmative proof; immediate court release when established","Exact source and necessity required"],["Life-insurance proceeds and policy value","Protected under K.S.A. 40-414","Statutory timing and bankruptcy exceptions","Actual policy and beneficiary facts"],["Social Security, SSI, VA, Railroad, OPM benefits","Federal underlying exemption plus Part 212 automatic direct-deposit protection","Automatic amount plus potentially greater traced exemption","Federal exceptions and payment method matter"],["Ordinary deposited wages","Former statutory text supported tracing protection","“Paid or” deleted in 2022; current effect unresolved","No current controlling appellate decision located"],["Trust or fiduciary funds","Creditor can reach only debtor’s beneficial property","Account label alone is insufficient; tracing and trust proof required","Actual agreement, source, and use"]]},{"headers":["Question","Starting rule","Burden"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Question","Starting rule","Burden"],["Does the bank initially freeze funds in a joint account?","Yes, up to the order amount","Bank follows order and federal review"],["Does joint title prove debtor owns all funds?","No","Creditor ultimately reaches only debtor’s beneficial interest"],["Kansas joint account without better proof","Rebuttable equal-ownership presumption","Party claiming unequal shares"],["Nondebtor claims sole ownership","Must prove source, contribution, control, intent, and use","Nondebtor claimant"],["Account created under another state’s property law","Law of state creating the ownership interest can control","Party asserting foreign-law property form"],["Trust or fiduciary claim","Requires actual trust/agency evidence and tracing","Claimant"],["Exempt-source claim","Requires statutory source and tracing except where Part 212 automatically protects","Debtor or claimant"]]},{"headers":["Step","Requirement","Relative deadline"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Step","Requirement","Relative deadline"],["Receive debtor notice","Creditor sends immediately after bank service","Trigger"],["File hearing request","Request identifies exemption or calculation issue","No later than 14 days after service"],["Obtain hearing date","Court schedules","7–14 days after request"],["Notify creditor","Immediate hand delivery or first-class mailing of request","Immediately after filing"],["Present proof","Account statements, benefit records, ownership documents, affidavits, tracing","At hearing"],["Court decision","Release, partial release, payment, or other order","After hearing"]]},{"headers":["Conduct","Potential consequence","Required process or limit"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Conduct","Potential consequence","Required process or limit"],["Bank follows facially valid order and applicable federal review","State and federal safe-harbor protection","Good faith and statutory compliance"],["Bank freezes automatically protected federal amount","Federal compliance violation","Regulatory enforcement and actual remedy depend on facts"],["Bank fails to answer","Court judgment, expenses, fees possible","Creditor motion, notice, hearing"],["Bank answers but refuses to pay court-directed amount","Contempt, fine, judgment, expenses, fees possible","Court motion and finding"],["Creditor challenges bank answer without good cause","Bank’s expenses and reasonable attorney fees possible","Court determination"],["Creditor continues holding proven nondebtor funds after ownership adjudication","Actual damages possible","Ownership order, release opportunity, causation, loss"],["Initial joint-account withholding later shown excessive","No automatic creditor/bank liability merely from initial freeze","K.S.A. 60-733(f)"],["Creditor overcollects","Prompt refund required","Proof of overpayment"],["Garnishment targets exempt property","No garnishment judgment against exempt property","Exemption proof and court determination"],["Bank asserts setoff but never applies it","Bank not discharged merely by assertion","K.S.A. 60-719"],["Debtor posts approved substitute bond","Bank discharged and funds released","Court-approved bond"]]},{"headers":["Form title","Intended user or function","Status in this pass"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Form title","Intended user or function","Status in this pass"],["Request for Garnishment — nonearnings","Judgment creditor request","Title located; current PDF inaccessible"],["Order of Garnishment — nonearnings","Court order to bank/garnishee","Title located; current PDF inaccessible"],["Answer of Garnishee — nonearnings","Bank answer","Title located; current PDF inaccessible"],["Instructions to Garnishee — nonearnings","Bank operational instructions","Title located; current PDF inaccessible"],["Notice to Judgment Debtor — nonearnings","Debtor notice and exemption rights","Title located; current PDF inaccessible"],["Order to Pay Money","Court-directed turnover","Title located; current PDF inaccessible"],["Release of Garnishment","Creditor/court release","Listed on garnishment form pages; current PDF inaccessible"]]},{"headers":["Actor","Stage","Trigger or document","Burden or formula","Available order or consequence","Principal gap"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor","Stage","Trigger or document","Burden or formula","Available order or consequence","Principal gap"],["Judgment creditor","Initiation","Valid judgment; 14 days elapsed; request and balance","Creditor","Garnishment order","Actual judgment and balance"],["Assignee/debt buyer","Initiation","Judgment ownership and assignment","Assignee","May request if enforcement authority proved","Actual chain and account link"],["Court/clerk","Issuance","Proper request and competent jurisdiction","Court","Order and answer form","Actual court route"],["Bank","Federal review","Order plus sufficient identifying information","Part 212 formula","Protected amount and freeze","Payment codes/account title"],["Bank","Kansas withholding","110% order ceiling, available nonexempt funds","min(1.10J, available funds)","Hold funds and answer","Actual funds"],["Creditor","Debtor notice","Bank service completed","Immediate notice","Starts debtor-hearing period","Service proof"],["Bank","Answer","Service of order","14 days","Reports property, fees, offsets","Actual answer"],["Debtor","Exemption claim","Notice service","Debtor proves exemption","Release or partial release","Source/tracing"],["Nondebtor joint owner","Ownership claim","Joint funds frozen","Claimant rebuts equal presumption","Release of nondebtor share","Ownership law/evidence"],["Creditor or debtor","Reply to answer","Bank answer sent","Reply filer disproves answer","Hearing","Transmission date"],["Bank","Offset","Bank claims debt or lien","Bank proves and actually applies","Potential reduction/discharge","Contract/setoff law"],["Court","Payment","No timely reply or dispute resolved","Court","Order to pay or release","Final findings"],["Bank","60-day release","No pay order after answer","Statutory condition","May release funds","Receipt dates"],["Creditor","Overpayment","Receives more than due","Creditor accounting","Prompt refund","Actual ledger"],["Bank","Nonanswer/nonpayment","Statutory failure","Court after motion","Judgment, contempt, fees","Notice and defenses"],["Creditor","Wrongful continued hold","Ownership/exemption adjudicated","Claimant proves loss","Actual damages possible","Causation/remedy"],["Federal banking regulator","Part 212 compliance","Bank violation","Agency authority","Regulatory enforcement","Institution/regulator"],["Account holder","Underlying federal exemption","Excess above automatic amount","Claimant traces and proves source","Additional release","Statements/payment history"]]},{"headers":["Source ID","Title, issuer, and full literal URL","Exact material read","Status, access date, and limits"],"index":7,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0029_section/060_007_0029_k/","text":"Kansas Legislature\n+1"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/","text":"Kansas Legislature\n+1"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/","text":"Kansas Legislature\n+3"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0041_section/060_007_0041_k/","text":"Kansas Legislature\n+5"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/","text":"Kansas Legislature\n+2"},{"href":"https://www.kslegislature.gov/b2025_26/laws/039_000_0000_chapter/039_007_0000_article/039_007_0017_section/039_007_0017_k/","text":"Kansas Legislature\n+3"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0010_section/060_023_0010_k/","text":"Kansas Legislature\n+3"},{"href":"https://law.justia.com/cases/kansas/supreme-court/2021/121109.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1978/48-306-1.html","text":"Justia Law\n+2"},{"href":"https://law.justia.com/cases/kansas/supreme-court/2024/125672.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/2007/93622.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/kansas/supreme-court/2002/86433.html","text":"Justia Law"},{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212","text":"eCFR\n+3"},{"href":"https://uscode.house.gov/us/usc/119-120/t42/s407/","text":"U.S. Code\n+1"},{"href":"https://uscode.house.gov/us/usc/119-120/t38/s5301/","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-120/t5/s8346/","text":"U.S. Code\n+3"},{"href":"https://supreme.justia.com/cases/federal/us/409/413/","text":"Justia Law\n+2"},{"href":"https://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment","text":"Kansas Judicial Council\n+1"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/","text":"Kansas Legislature\n+1"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0029_section/060_007_0029_k/","text":"Kansas Legislature\n+1"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/","text":"Kansas Legislature\n+1"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/","text":"Kansas Legislature\n+3"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0041_section/060_007_0041_k/","text":"Kansas Legislature\n+5"}],[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/","text":"Kansas Legislature\n+2"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/039_000_0000_chapter/039_007_0000_article/039_007_0017_section/039_007_0017_k/","text":"Kansas Legislature\n+3"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0010_section/060_023_0010_k/","text":"Kansas Legislature\n+3"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/2021/121109.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1978/48-306-1.html","text":"Justia Law\n+2"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/2024/125672.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/2007/93622.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/2002/86433.html","text":"Justia Law"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212","text":"eCFR\n+3"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t42/s407/","text":"U.S. Code\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t38/s5301/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t5/s8346/","text":"U.S. Code\n+3"}],[{"href":"https://supreme.justia.com/cases/federal/us/409/413/","text":"Justia Law\n+2"}],[{"href":"https://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment","text":"Kansas Judicial Council\n+1"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/","text":"Kansas Legislature\n+1"}]],"rows":[["Source ID","Title, issuer, and full literal URL","Exact material read","Status, access date, and limits"],["S_KS-P21-S001","Kansas postjudgment garnishment initiation — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0029_section/060_007_0029_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0031_section/060_007_0031_k/","Complete material K.S.A. 60-729 and 60-731","Fresh Oct. 26, 2026 Pacific/UTC. Current 2026 HTML; no printed page/PDF index. \nKansas Legislature\n+1"],["S_KS-P21-S002","Kansas intangible-property and financial-institution garnishment — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0032_section/060_007_0032_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/","Complete K.S.A. 60-732 and 60-733, including 110%, $15 fee, joint accounts, multiple accounts, and frequency limit","Fresh. Current HTML. \nKansas Legislature\n+1"],["S_KS-P21-S003","Kansas debtor notice, bank answer, reply, and payment — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0036_section/060_007_0036_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0038_section/060_007_0038_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0039_section/060_007_0039_k/","Complete relevant notice, 14-day answer/hearing/reply, burden, payment, and 60-day release clauses","Fresh. Current official HTML. \nKansas Legislature\n+3"],["S_KS-P21-S004","Kansas bank offsets, rights, bonds, exempt property, and bank failures — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0019_section/060_007_0019_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0021_section/060_007_0021_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0022_section/060_007_0022_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0024_section/060_007_0024_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0041_section/060_007_0041_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0042_section/060_007_0042_k/","Complete material clauses","Fresh. Current official HTML. \nKansas Legislature\n+5"],["S_KS-P21-S005","Kansas Chapter 61 parallel garnishment provisions — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0005_section/061_035_0005_k/ through https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0016_section/061_035_0016_k/","Material financial-institution order, notice, answer, reply, payment, and liability provisions","Fresh selected read. Parallel route; no whole Chapter 61 audit."],["S_KS-P21-S006","Kansas general personal-property and benefit exemptions — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0008_section/060_023_0008_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0013_section/060_023_0013_k/","Complete material ordinary property, retirement, and enumerated-benefit clauses","Fresh. No full sector-specific exemption dossier. \nKansas Legislature\n+2"],["S_KS-P21-S007","Kansas public-assistance, workers’ compensation, unemployment, and life-insurance protections — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/039_000_0000_chapter/039_007_0000_article/039_007_0017_section/039_007_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_005_0000_article/044_005_0014_section/044_005_0014_k/\nhttps://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_007_0000_article/044_007_0018_section/044_007_0018_k/\nhttps://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_004_0000_article/040_004_0014_section/040_004_0014_k/","Complete material exemption and exception language","Fresh. Current HTML. \nKansas Legislature\n+3"],["S_KS-P21-S008","Current and historical Kansas earnings text\nCurrent K.S.A. 60-2310: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0010_section/060_023_0010_k/\n2022 HB 2608: https://www.kslegislature.gov/li_2022/b2021_22/measures/documents/hb2608_enrolled.pdf","Current “payable” definition; HB 2608 §4, PDF indices 9–11 / printed pages 10–12","Fresh selected PDF and current-statute read. \nKansas Legislature\n+3"],["S_KS-P21-S009","Stormont-Vail Healthcare v. Sievers, Kansas Supreme Court\nhttps://law.justia.com/cases/kansas/supreme-court/2021/121109.html","Former-text deposited-wage tracing holding","Historical in material part after 2022 amendment. Public opinion reproduction; no PDF index. \nJustia Law"],["S_KS-P21-S010","Kansas joint-account ownership cases\nWalnut Valley State Bank v. Stovall: https://law.justia.com/cases/kansas/supreme-court/1978/48-306-1.html\nPurma v. Stark: https://law.justia.com/cases/kansas/supreme-court/1978/48-868-1.html\nMiller v. Clayco State Bank: https://law.justia.com/cases/kansas/court-of-appeals/1985/56-790-9.html","Equal presumption, beneficial ownership, wrongful continued retention","Fresh selected reads. Older but still material; no complete citator. \nJustia Law\n+2"],["S_KS-P21-S011","M&I Marshall & Ilsley Bank v. Higdon, Kansas Supreme Court\nhttps://law.justia.com/cases/kansas/supreme-court/2024/125672.html","Conflict-of-law treatment of account ownership and tenancy by entirety","Fresh selected read. Published 2024 opinion. \nJustia Law"],["S_KS-P21-S012","LSF Franchise REO I v. Emporia Restaurants, Kansas Supreme Court\nhttps://law.justia.com/cases/kansas/supreme-court/2007/93622.html","Burden to prove trust/nonownership, commingling, ownership at service","Fresh selected read. Commercial-account facts. \nJustia Law"],["S_KS-P21-S013","Decker & Mattison v. Wilson, Kansas Supreme Court\nhttps://law.justia.com/cases/kansas/supreme-court/2002/86433.html","Traceable workers’ compensation proceeds after deposit and joint-account transfer","Fresh selected read. \nJustia Law"],["S_KS-P21-S014","Federal benefit account-review rule — eCFR\nhttps://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212","Complete material definitions, account review, protected amount, fees, notice, safe harbor, records, and preemption provisions","Fresh Oct. 26, 2026. eCFR current through Oct. 22, 2026; Title 31 last amended Oct. 15, 2026. \neCFR\n+3"],["S_KS-P21-S015","Social Security and SSI anti-garnishment statutes — OLRC\nhttps://uscode.house.gov/us/usc/119-120/t42/s407/\nhttps://uscode.house.gov/us/usc/119-120/t42/s1383/","Complete material §407 and §1383(d)(1) protections","Fresh. OLRC current through Public Law 119-120, Oct. 7, 2026. \nU.S. Code\n+1"],["S_KS-P21-S016","Veterans-benefit protection — OLRC\nhttps://uscode.house.gov/us/usc/119-120/t38/s5301/","Complete material exemption language and exceptions","Fresh. \nU.S. Code"],["S_KS-P21-S017","Federal retirement and railroad benefit statutes — OLRC/GovInfo\nhttps://uscode.house.gov/us/usc/119-120/t5/s8346/\nhttps://uscode.house.gov/us/usc/119-120/t5/s8470/\nhttps://uscode.house.gov/us/usc/119-120/t45/s231m/\nhttps://uscode.house.gov/us/usc/119-120/t45/s352/","Material anti-assignment and anti-garnishment provisions","Fresh selected read/search. Program-specific exceptions not exhaustively analyzed. \nU.S. Code\n+3"],["S_KS-P21-S018","Federal deposited-benefit cases\nPhilpott: https://supreme.justia.com/cases/federal/us/409/413/\nPorter: https://supreme.justia.com/cases/federal/us/370/159/\nLawrence: https://supreme.justia.com/cases/federal/us/300/245/","Traceable Social Security and VA deposits retaining exempt character","Fresh selected reads of reproduced Supreme Court opinions. \nJustia Law\n+2"],["S_KS-P21-S019","Kansas Judicial Council nonearnings garnishment forms\nhttps://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment\nhttps://www.kjc.ks.gov/legal-forms/chapter-61-civil-actions/garnishment-and-attachment","Official form-title inventory","Failed direct access/HTTP 403. Revision dates and full form text not read; no substantive reliance. \nKansas Judicial Council\n+1"],["S_KS-P21-S020","Kansas service and time computation\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","Garnishment service and day-counting provisions","Fresh. No actual service or court-closure facts. \nKansas Legislature\n+1"]]},{"headers":["Claim ID","Precise claim","Source and pinpoint","Actor/stage, predicates, consequence, confidence"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim","Source and pinpoint","Actor/stage, predicates, consequence, confidence"],["S_KS-P21-C001","Ordinary Kansas bank garnishment is postjudgment and available after 14 days.","S001, K.S.A. 60-731","Creditor/court; valid judgment required. High."],["S_KS-P21-C002","No prior execution or creditor bond is ordinarily required for postjudgment garnishment.","S001","Creditor initiation. High."],["S_KS-P21-C003","Bank garnishment does not arise automatically from debt, collection demand, debt-relief enrollment, or bare award.","S001–S003","Procedural boundary. High."],["S_KS-P21-C004","Nonwage order reaches intangible property held at service and becoming due before answer.","S002, §60-732","Bank snapshot period. High."],["S_KS-P21-C005","Financial-institution order directs withholding up to 110% of current judgment balance.","S002, §60-733","Bank calculation; not new debt. High."],["S_KS-P21-C006","Kansas bank fee is $15 per order.","S002","Bank; subject to federal protected amount. High."],["S_KS-P21-C007","If funds are insufficient for both order and fee, fee is deducted from withheld amount.","S002","Bank calculation. High."],["S_KS-P21-C008","Bank may use one or more debtor accounts.","S002","Multiple-account process. High."],["S_KS-P21-C009","Bank initially may withhold entire requested amount from joint account.","S002","Initial freeze only. High."],["S_KS-P21-C010","Creditor ultimately reaches only debtor’s beneficial ownership interest.","S010–S012","Court ownership determination. High."],["S_KS-P21-C011","Kansas joint account starts with rebuttable equal-ownership presumption.","S010","Claimant of unequal share bears burden. High."],["S_KS-P21-C012","Foreign-state law can govern ownership of account interest created there.","S011","Conflict-of-laws branch. High."],["S_KS-P21-C013","Same creditor ordinarily limited to two garnishments per 30 days on same claim/debtor.","S002","Judicial exception requires statutory showing. High."],["S_KS-P21-C014","Creditor must send debtor notice immediately after bank service.","S003, §60-735","Creditor; service proof matters. High."],["S_KS-P21-C015","Debtor hearing request due within 14 days after notice service.","S003","Debtor; actual service date required. High."],["S_KS-P21-C016","Hearing occurs 7–14 days after request.","S003","Court. High."],["S_KS-P21-C017","Debtor bears burden to establish claimed exemption.","S003","Debtor hearing. High."],["S_KS-P21-C018","Bank answer due within 14 days after order service.","S003, §60-736","Bank. High."],["S_KS-P21-C019","Creditor or debtor can reply within 14 days after answer sent.","S003, §60-738","Challenger. High."],["S_KS-P21-C020","Reply filer bears burden to disprove answer; bank bears burden on offsets/liens.","S003","Hearing. High."],["S_KS-P21-C021","Court—not creditor alone—directs turnover.","S003, §60-739","Court payment stage. High."],["S_KS-P21-C022","Bank may release funds if no pay order within 60 days after creditor receives answer.","S003","Bank safe-release route. High."],["S_KS-P21-C023","Bank nonanswer/nonpayment liability requires motion, notice, and court determination.","S004","Bank enforcement. High."],["S_KS-P21-C024","Court cannot enter garnishment judgment against exempt property.","S004, §60-724","Court/exemption. High."],["S_KS-P21-C025","Substitute bond can discharge bank and release funds if court approves.","S004, §60-722","Debtor. High."],["S_KS-P21-C026","Bank setoff assertion alone does not discharge bank until actually applied.","S004, §60-719","Bank. High."],["S_KS-P21-C027","No general resident cash/bank wildcard was located in reviewed K.S.A. 60-2304.","S006","Bounded negative finding. Medium-high."],["S_KS-P21-C028","Public assistance is protected from garnishment and legal process.","S007, K.S.A. 39-717","Source-specific. High."],["S_KS-P21-C029","Workers’ compensation is protected and exemption is nonwaivable, subject to exceptions.","S007, K.S.A. 44-514","Source-specific. High."],["S_KS-P21-C030","Traceable, uncommingled workers’ compensation can remain exempt after deposit.","S013","Debtor/tracing. High case holding."],["S_KS-P21-C031","Received unemployment benefits remain exempt only while not mingled with other funds.","S007, K.S.A. 44-718","Source and commingling required. High."],["S_KS-P21-C032","Qualified retirement interests/payments receive statutory protection subject to exceptions.","S006, K.S.A. 60-2308","Plan-specific. High."],["S_KS-P21-C033","Certain federal pension deposits within preceding three months can be exempt on support proof.","S006","Affidavit/other evidence required. High."],["S_KS-P21-C034","Life-insurance interests/proceeds receive source-specific protection subject to statutory exceptions.","S007, K.S.A. 40-414","Policy facts required. High."],["S_KS-P21-C035","Former Kansas law allowed traceable deposited wages under “paid or payable.”","S009","Historical. High."],["S_KS-P21-C036","2022 law deleted “paid or,” materially limiting Stormont-Vail’s current application.","S008","Currentness correction. High."],["S_KS-P21-C037","Current ordinary deposited-wage exemption remains unresolved in reviewed appellate authority.","S008–S009","Exact current result held. Medium-high."],["S_KS-P21-C038","Account or trust label alone does not prove nondebtor ownership.","S012","Claimant/tracing. High."],["S_KS-P21-C039","Ownership is determined at garnishment service, not by later intended transfer.","S012","Court. High."],["S_KS-P21-C040","Part 212 covers specified encoded federal benefit direct deposits.","S014","Bank federal review. High."],["S_KS-P21-C041","Bank generally reviews within two business days absent a valid federal-benefit notice.","S014","Bank; sufficient identifying info required. High."],["S_KS-P21-C042","Valid Notice of Right to Garnish Federal Benefits bypasses automatic account review.","S014","Specialized government/support order. High."],["S_KS-P21-C043","Automatic protected amount is lesser of covered lookback deposits and account balance.","S014","Dollar formula. High."],["S_KS-P21-C044","Automatic review disregards commingling and joint ownership.","S014","Bank stage. High."],["S_KS-P21-C045","Bank performs separate review per account and does not trace account-to-account transfers.","S014","Bank stage. High."],["S_KS-P21-C046","Same order gets one review; new or different order requires new review.","S014","Successive orders. High."],["S_KS-P21-C047","Bank cannot continually freeze later deposits under same order after review.","S014","Federal preemption. High."],["S_KS-P21-C048","Bank fee cannot be collected from protected amount.","S014","Bank fee. High."],["S_KS-P21-C049","Bank notice generally due within three business days when regulatory conditions are met.","S014","Bank/account holder. High."],["S_KS-P21-C050","Automatic amount is not ceiling on underlying federal or state exemption.","S014","Court exemption claim remains. High."],["S_KS-P21-C051","Social Security and SSI have underlying federal anti-garnishment protection.","S015","Program-specific exceptions. High."],["S_KS-P21-C052","VA benefits have underlying before-and-after-receipt protection subject to exceptions.","S016","Program-specific. High."],["S_KS-P21-C053","Federal retirement and railroad benefits have separate statutory protections.","S017","Program-specific exceptions. High."],["S_KS-P21-C054","Paper benefit check does not trigger automatic Part 212 review.","S014","Underlying exemption can still be claimed. High."],["S_KS-P21-C055","Deposited Social Security/VA funds can remain exempt if traceable and retaining money character.","S018","Underlying exemption/tracing. High."],["S_KS-P21-C056","Federal Part 212 bank safe harbors require good-faith compliance or specified error conditions.","S014","Bank. High."],["S_KS-P21-C057","Initial joint-account freeze does not create automatic damages when ownership later disproved.","S002","Statutory initial safe harbor. High."],["S_KS-P21-C058","Continued retention after ownership adjudication can support actual damages.","S010","Creditor conduct/causation. High case-specific."],["S_KS-P21-C059","Filing an exemption request does not automatically release funds or stay garnishment.","S003–S004","Court order/release needed. High bounded reading."],["S_KS-P21-C060","Exact deadline cannot be calculated without service and filing facts.","S003, S020","Time computation. High."],["S_KS-P21-C061","Current Judicial Council form titles were located, but current PDFs and revision dates were inaccessible.","S019","Access-status claim. High."],["S_KS-P21-C062","PASS-21 establishes no actual freeze, exemption, ownership, remedy, or authority to collect.","Scope","Project-status statement. High."]]},{"headers":["Assigned issue","Status","Claims","Exact missing evidence or next action"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claims","Exact missing evidence or next action"],["Postjudgment bank-garnishment route","Answered","C001–C004","Actual judgment and court"],["Fourteen-day waiting period","Answered","C001","Judgment entry and stay facts"],["Prejudgment bank attachment","Excluded except boundary","—","Separate attachment pass"],["110% withholding","Answered","C005","Actual judgment balance"],["$15 bank fee","Answered","C006–C007","Actual funds and federal protection"],["Service-to-answer snapshot","Answered","C004","Actual service/answer dates"],["Multiple accounts","Answered generally","C008","Account ownership and sources"],["Joint-account initial freeze","Answered","C009","Actual account title and balance"],["Joint-account ultimate ownership","Answered doctrinally","C010–C012","Contributions, foreign law, account records"],["Successive garnishments","Answered","C013, C046–C047","Actual order identity and dates"],["Debtor notice","Answered","C014–C017","Service proof"],["Bank answer","Answered","C018","Actual answer"],["Reply and hearing","Answered","C019–C020","Transmission and filing dates"],["Payment order","Answered","C021","Actual court order"],["60-day release","Answered","C022","Creditor receipt date"],["Bank default/nonpayment","Answered","C023","Motion, defenses, court findings"],["Bank setoff","Answered narrowly","C026","Account agreement and protected-fund restrictions"],["Substitute bond","Answered","C025","Court-approved amount/security"],["General cash exemption","No general amount located in reviewed provision","C027","Other sector/local statutes"],["Public assistance","Answered","C028","Payment identification"],["Workers’ compensation","Answered","C029–C030","Source and tracing"],["Unemployment","Answered with anti-commingling condition","C031","Actual commingling"],["Retirement","Partial gateway","C032–C033","Plan qualification and exceptions"],["Life insurance","Partial gateway","C034","Policy/proceeds facts"],["Deposited ordinary wages","Unresolved under current text","C035–C037","Current controlling case or additional statute"],["Trust/fiduciary funds","Answered doctrinally","C038–C039","Actual trust and tracing evidence"],["Federal automatic review","Answered","C040–C050","Actual payment codes/order"],["Federal notice exception","Answered","C042","Actual issuer/order authority"],["Lookback formula","Answered","C043","Actual deposits/balance"],["Commingling under Part 212","Answered","C044","Underlying exemption still separate"],["Account transfers","Answered for automatic review; underlying claim held","C045, C055","Transfer records and tracing"],["Paper benefit check","Answered","C054–C055","Actual check/source"],["Social Security/SSI","Answered generally","C051, C055","Federal exception and tracing facts"],["VA benefits","Answered generally","C052, C055","Program exception and tracing"],["OPM/Railroad","Answered generally","C053","Exact benefit and exception"],["Bank fee against protected amount","Answered—prohibited","C048","Actual nonprotected funds"],["Federal bank notice","Answered","C049","Actual conditions and delivery"],["Underlying exemption above automatic amount","Answered conceptually","C050–C055","Court claim and tracing"],["Representative payee/fiduciary","Partial","C038–C040","Account title, program rules, beneficial owner"],["Joint owner burden","Answered generally","C010–C012","Evidence and applicable state law"],["Wrongful initial freeze","Safe-harbor boundary answered","C057","Good faith and statutory compliance"],["Wrongful continued retention","Answered through case boundary","C058","Ownership order, delay, actual damages"],["Automatic stay from exemption request","Not established","C059","Court order required"],["Time computation","Answered generally","C060","Actual dates, holiday, court access"],["Current Kansas forms","Inventory only","C061","Recover accessible current PDFs and revisions"],["Bank levy of deposited benefits beyond this scope","Partial","C040–C055","Program-specific full dossier"],["Wage garnishment","Excluded","—","PASS-20 remains unreviewed"],["Physical personal property","Excluded","—","Separate execution pass"],["Homestead and real estate","Excluded","—","Separate property-exemption pass"],["Business accounts","Excluded","—","Entity/property and commercial-debt analysis"],["Support/tax/student-loan/federal agency","Excluded except notice boundary","C042","Specialized passes"],["Bankruptcy","Excluded","—","Stay, turnover, discharge, exemptions"],["Underlying judgment lifecycle","Not adopted from PASS-19","—","Separate coordinator review"],["Standing/assignment/debt validity","Excluded","C062","Actual judgment and chain"],["Local, tribal, foreign-country law","Excluded","—","Separate jurisdictional review"],["Complete citator/history audit","Not performed","C037, C055, C058","Later appellate review"],["Actual account or court record","Not reviewed","C062","Authorized public/private evidence required"],["Component/state/parent/A066 acceptance","Not evaluated","C062","No acceptance follows"]]}],"claims":[{"claim_id":"S_KS-P21-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C001","Precise claim":"Ordinary Kansas bank garnishment is postjudgment and available after 14 days.","Source and pinpoint":"S001, K.S.A. 60-731","Actor/stage, predicates, consequence, confidence":"Creditor/court; valid judgment required. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q004"],"coordinator_scope":"Fourteen-day gateway supported; Q004 adds distinct baseline good-faith asset-belief prerequisite. No actual valid judgment or stay determined.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C002","Precise claim":"No prior execution or creditor bond is ordinarily required for postjudgment garnishment.","Source and pinpoint":"S001","Actor/stage, predicates, consequence, confidence":"Creditor initiation. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C003","Precise claim":"Bank garnishment does not arise automatically from debt, collection demand, debt-relief enrollment, or bare award.","Source and pinpoint":"S001–S003","Actor/stage, predicates, consequence, confidence":"Procedural boundary. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C004","Precise claim":"Nonwage order reaches intangible property held at service and becoming due before answer.","Source and pinpoint":"S002, §60-732","Actor/stage, predicates, consequence, confidence":"Bank snapshot period. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C005","Precise claim":"Financial-institution order directs withholding up to 110% of current judgment balance.","Source and pinpoint":"S002, §60-733","Actor/stage, predicates, consequence, confidence":"Bank calculation; not new debt. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C006","Precise claim":"Kansas bank fee is $15 per order.","Source and pinpoint":"S002","Actor/stage, predicates, consequence, confidence":"Bank; subject to federal protected amount. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C007","Precise claim":"If funds are insufficient for both order and fee, fee is deducted from withheld amount.","Source and pinpoint":"S002","Actor/stage, predicates, consequence, confidence":"Bank calculation. High."},"coordinator_verification_status":"bounded_textual_qualification_required_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q001"],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C008","Precise claim":"Bank may use one or more debtor accounts.","Source and pinpoint":"S002","Actor/stage, predicates, consequence, confidence":"Multiple-account process. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C009","Precise claim":"Bank initially may withhold entire requested amount from joint account.","Source and pinpoint":"S002","Actor/stage, predicates, consequence, confidence":"Initial freeze only. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C010","Precise claim":"Creditor ultimately reaches only debtor’s beneficial ownership interest.","Source and pinpoint":"S010–S012","Actor/stage, predicates, consequence, confidence":"Court ownership determination. High."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C011","Precise claim":"Kansas joint account starts with rebuttable equal-ownership presumption.","Source and pinpoint":"S010","Actor/stage, predicates, consequence, confidence":"Claimant of unequal share bears burden. High."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C012","Precise claim":"Foreign-state law can govern ownership of account interest created there.","Source and pinpoint":"S011","Actor/stage, predicates, consequence, confidence":"Conflict-of-laws branch. High."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C013","Precise claim":"Same creditor ordinarily limited to two garnishments per 30 days on same claim/debtor.","Source and pinpoint":"S002","Actor/stage, predicates, consequence, confidence":"Judicial exception requires statutory showing. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q004"],"coordinator_scope":"Core frequency statement supported; Q004 concerns omitted separate baseline initiation predicate, not a false frequency number.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C014","Precise claim":"Creditor must send debtor notice immediately after bank service.","Source and pinpoint":"S003, §60-735","Actor/stage, predicates, consequence, confidence":"Creditor; service proof matters. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C015","Precise claim":"Debtor hearing request due within 14 days after notice service.","Source and pinpoint":"S003","Actor/stage, predicates, consequence, confidence":"Debtor; actual service date required. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C016","Precise claim":"Hearing occurs 7–14 days after request.","Source and pinpoint":"S003","Actor/stage, predicates, consequence, confidence":"Court. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C017","Precise claim":"Debtor bears burden to establish claimed exemption.","Source and pinpoint":"S003","Actor/stage, predicates, consequence, confidence":"Debtor hearing. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C018","Precise claim":"Bank answer due within 14 days after order service.","Source and pinpoint":"S003, §60-736","Actor/stage, predicates, consequence, confidence":"Bank. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q002"],"coordinator_scope":"Fourteen-day answer deadline supported. Q002 concerns narrative recipients, which C018 does not state; add a distinct recipient claim.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C019","Precise claim":"Creditor or debtor can reply within 14 days after answer sent.","Source and pinpoint":"S003, §60-738","Actor/stage, predicates, consequence, confidence":"Challenger. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C020","Precise claim":"Reply filer bears burden to disprove answer; bank bears burden on offsets/liens.","Source and pinpoint":"S003","Actor/stage, predicates, consequence, confidence":"Hearing. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C021","Precise claim":"Court—not creditor alone—directs turnover.","Source and pinpoint":"S003, §60-739","Actor/stage, predicates, consequence, confidence":"Court payment stage. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C022","Precise claim":"Bank may release funds if no pay order within 60 days after creditor receives answer.","Source and pinpoint":"S003","Actor/stage, predicates, consequence, confidence":"Bank safe-release route. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C023","Precise claim":"Bank nonanswer/nonpayment liability requires motion, notice, and court determination.","Source and pinpoint":"S004","Actor/stage, predicates, consequence, confidence":"Bank enforcement. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C024","Precise claim":"Court cannot enter garnishment judgment against exempt property.","Source and pinpoint":"S004, §60-724","Actor/stage, predicates, consequence, confidence":"Court/exemption. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"60-724(3) text expressly includes exempt property or proceeds; no blanket postpayment loss of exemption is inferred.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C025","Precise claim":"Substitute bond can discharge bank and release funds if court approves.","Source and pinpoint":"S004, §60-722","Actor/stage, predicates, consequence, confidence":"Debtor. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C026","Precise claim":"Bank setoff assertion alone does not discharge bank until actually applied.","Source and pinpoint":"S004, §60-719","Actor/stage, predicates, consequence, confidence":"Bank. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C027","Precise claim":"No general resident cash/bank wildcard was located in reviewed K.S.A. 60-2304.","Source and pinpoint":"S006","Actor/stage, predicates, consequence, confidence":"Bounded negative finding. Medium-high."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C028","Precise claim":"Public assistance is protected from garnishment and legal process.","Source and pinpoint":"S007, K.S.A. 39-717","Actor/stage, predicates, consequence, confidence":"Source-specific. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C029","Precise claim":"Workers’ compensation is protected and exemption is nonwaivable, subject to exceptions.","Source and pinpoint":"S007, K.S.A. 44-514","Actor/stage, predicates, consequence, confidence":"Source-specific. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C030","Precise claim":"Traceable, uncommingled workers’ compensation can remain exempt after deposit.","Source and pinpoint":"S013","Actor/stage, predicates, consequence, confidence":"Debtor/tracing. High case holding."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C031","Precise claim":"Received unemployment benefits remain exempt only while not mingled with other funds.","Source and pinpoint":"S007, K.S.A. 44-718","Actor/stage, predicates, consequence, confidence":"Source and commingling required. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C032","Precise claim":"Qualified retirement interests/payments receive statutory protection subject to exceptions.","Source and pinpoint":"S006, K.S.A. 60-2308","Actor/stage, predicates, consequence, confidence":"Plan-specific. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Retirement statutory gateway only: interests/payable amounts and exceptions; no universal exemption for completed distributions or their loss after payment.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C033","Precise claim":"Certain federal pension deposits within preceding three months can be exempt on support proof.","Source and pinpoint":"S006","Actor/stage, predicates, consequence, confidence":"Affidavit/other evidence required. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"2308(a) looks to three months preceding issuing of process and support proof by affidavit or otherwise; no actual-date or support finding.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C034","Precise claim":"Life-insurance interests/proceeds receive source-specific protection subject to statutory exceptions.","Source and pinpoint":"S007, K.S.A. 40-414","Actor/stage, predicates, consequence, confidence":"Policy facts required. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C035","Precise claim":"Former Kansas law allowed traceable deposited wages under “paid or payable.”","Source and pinpoint":"S009","Actor/stage, predicates, consequence, confidence":"Historical. High."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C036","Precise claim":"2022 law deleted “paid or,” materially limiting Stormont-Vail’s current application.","Source and pinpoint":"S008","Actor/stage, predicates, consequence, confidence":"Currentness correction. High."},"coordinator_verification_status":"selected_current_payable_gateway_only_historical_PDF_amendment_chain_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C037","Precise claim":"Current ordinary deposited-wage exemption remains unresolved in reviewed appellate authority.","Source and pinpoint":"S008–S009","Actor/stage, predicates, consequence, confidence":"Exact current result held. Medium-high."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C038","Precise claim":"Account or trust label alone does not prove nondebtor ownership.","Source and pinpoint":"S012","Actor/stage, predicates, consequence, confidence":"Claimant/tracing. High."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C039","Precise claim":"Ownership is determined at garnishment service, not by later intended transfer.","Source and pinpoint":"S012","Actor/stage, predicates, consequence, confidence":"Court. High."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C040","Precise claim":"Part 212 covers specified encoded federal benefit direct deposits.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Bank federal review. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C041","Precise claim":"Bank generally reviews within two business days absent a valid federal-benefit notice.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Bank; sufficient identifying info required. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C042","Precise claim":"Valid Notice of Right to Garnish Federal Benefits bypasses automatic account review.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Specialized government/support order. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C043","Precise claim":"Automatic protected amount is lesser of covered lookback deposits and account balance.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Dollar formula. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C044","Precise claim":"Automatic review disregards commingling and joint ownership.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Bank stage. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C045","Precise claim":"Bank performs separate review per account and does not trace account-to-account transfers.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Bank stage. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C046","Precise claim":"Same order gets one review; new or different order requires new review.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Successive orders. High."},"coordinator_verification_status":"bounded_textual_qualification_required_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q003"],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C047","Precise claim":"Bank cannot continually freeze later deposits under same order after review.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Federal preemption. High."},"coordinator_verification_status":"bounded_textual_qualification_required_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q003"],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C048","Precise claim":"Bank fee cannot be collected from protected amount.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Bank fee. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C049","Precise claim":"Bank notice generally due within three business days when regulatory conditions are met.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Bank/account holder. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C050","Precise claim":"Automatic amount is not ceiling on underlying federal or state exemption.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Court exemption claim remains. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C051","Precise claim":"Social Security and SSI have underlying federal anti-garnishment protection.","Source and pinpoint":"S015","Actor/stage, predicates, consequence, confidence":"Program-specific exceptions. High."},"coordinator_verification_status":"dated_selected_statutory_evidence_reused_exception_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C052","Precise claim":"VA benefits have underlying before-and-after-receipt protection subject to exceptions.","Source and pinpoint":"S016","Actor/stage, predicates, consequence, confidence":"Program-specific. High."},"coordinator_verification_status":"dated_selected_statutory_evidence_reused_exception_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C053","Precise claim":"Federal retirement and railroad benefits have separate statutory protections.","Source and pinpoint":"S017","Actor/stage, predicates, consequence, confidence":"Program-specific exceptions. High."},"coordinator_verification_status":"dated_selected_statutory_evidence_reused_exception_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C054","Precise claim":"Paper benefit check does not trigger automatic Part 212 review.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Underlying exemption can still be claimed. High."},"coordinator_verification_status":"bounded_textual_qualification_required_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q003"],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C055","Precise claim":"Deposited Social Security/VA funds can remain exempt if traceable and retaining money character.","Source and pinpoint":"S018","Actor/stage, predicates, consequence, confidence":"Underlying exemption/tracing. High."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C056","Precise claim":"Federal Part 212 bank safe harbors require good-faith compliance or specified error conditions.","Source and pinpoint":"S014","Actor/stage, predicates, consequence, confidence":"Bank. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C057","Precise claim":"Initial joint-account freeze does not create automatic damages when ownership later disproved.","Source and pinpoint":"S002","Actor/stage, predicates, consequence, confidence":"Statutory initial safe harbor. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C058","Precise claim":"Continued retention after ownership adjudication can support actual damages.","Source and pinpoint":"S010","Actor/stage, predicates, consequence, confidence":"Creditor conduct/causation. High case-specific."},"coordinator_verification_status":"judicial_attribution_unreopened_no_new_holding_or_currentness_certification","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C059","Precise claim":"Filing an exemption request does not automatically release funds or stay garnishment.","Source and pinpoint":"S003–S004","Actor/stage, predicates, consequence, confidence":"Court order/release needed. High bounded reading."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Bounded reviewed-text/project-status statement only; no exhaustive absence, actual release/stay, collection authority or parent acceptance.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C060","Precise claim":"Exact deadline cannot be calculated without service and filing facts.","Source and pinpoint":"S003, S020","Actor/stage, predicates, consequence, confidence":"Time computation. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q005"],"coordinator_scope":"Actual-date hold is supported. Q005 concerns missing atomic service and computation mechanics, not a false C060 proposition.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C061","Precise claim":"Current Judicial Council form titles were located, but current PDFs and revision dates were inaccessible.","Source and pinpoint":"S019","Actor/stage, predicates, consequence, confidence":"Access-status claim. High."},"coordinator_verification_status":"researcher_reported_access_status_not_refetched_full_forms_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Every original source, jurisdiction, actor, version, exception and application limitation remains; no actual legal entitlement established.","coordinator_parent_acceptance":false},{"claim_id":"S_KS-P21-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P21-C062","Precise claim":"PASS-21 establishes no actual freeze, exemption, ownership, remedy, or authority to collect.","Source and pinpoint":"Scope","Actor/stage, predicates, consequence, confidence":"Project-status statement. High."},"coordinator_verification_status":"selected_text_or_project_boundary_checked_with_conditions_no_parent_acceptance","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Bounded reviewed-text/project-status statement only; no exhaustive absence, actual release/stay, collection authority or parent acceptance.","coordinator_parent_acceptance":false}],"sources":[{"source_id":"S_KS-P21-S001","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0029_section/060_007_0029_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0031_section/060_007_0031_k/"],"researcher_record":{"Source ID":"S_KS-P21-S001","Title, issuer, and full literal URL":"Kansas postjudgment garnishment initiation — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0029_section/060_007_0029_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0031_section/060_007_0031_k/","Exact material read":"Complete material K.S.A. 60-729 and 60-731","Status, access date, and limits":"Fresh Oct. 26, 2026 Pacific/UTC. Current 2026 HTML; no printed page/PDF index. \nKansas Legislature\n+1"},"coordinator_verification_status":"fresh_selected_primary_body_checked","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Fresh complete operative 60-729/60-731. Initiation gateway supported with baseline good-faith addition Q004. Creditor filing-cost coverage remains partial; extra authorization has an express June 30, 2025 sunset and introduced HB 2393 is not enacted authority.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S002","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0032_section/060_007_0032_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/"],"researcher_record":{"Source ID":"S_KS-P21-S002","Title, issuer, and full literal URL":"Kansas intangible-property and financial-institution garnishment — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0032_section/060_007_0032_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/","Exact material read":"Complete K.S.A. 60-732 and 60-733, including 110%, $15 fee, joint accounts, multiple accounts, and frequency limit","Status, access date, and limits":"Fresh. Current HTML. \nKansas Legislature\n+1"},"coordinator_verification_status":"fresh_selected_primary_body_checked","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Fresh complete 60-732/60-733. Q001 corrects fee predicate; Q004 adds baseline good-faith prerequisite. Service-to-answer property scope remains separate from conditional federal212.6 procedures under Q003.","coordinator_pending_findings":["S_KS-P21-Q001","S_KS-P21-Q004"],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S003","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0036_section/060_007_0036_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0038_section/060_007_0038_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0039_section/060_007_0039_k/"],"researcher_record":{"Source ID":"S_KS-P21-S003","Title, issuer, and full literal URL":"Kansas debtor notice, bank answer, reply, and payment — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0035_section/060_007_0035_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0036_section/060_007_0036_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0038_section/060_007_0038_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0039_section/060_007_0039_k/","Exact material read":"Complete relevant notice, 14-day answer/hearing/reply, burden, payment, and 60-day release clauses","Status, access date, and limits":"Fresh. Current official HTML. \nKansas Legislature\n+3"},"coordinator_verification_status":"fresh_selected_primary_body_checked","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Fresh complete 60-735/736/738/739. Q002 corrects answer-recipient branch without falsifying C018. Debtor notice service, answer sent, creditor answer receipt and no-pay-order sixty-day trigger are different events, not interchangeable.","coordinator_pending_findings":["S_KS-P21-Q002"],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S004","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0019_section/060_007_0019_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0021_section/060_007_0021_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0022_section/060_007_0022_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0024_section/060_007_0024_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0041_section/060_007_0041_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0042_section/060_007_0042_k/"],"researcher_record":{"Source ID":"S_KS-P21-S004","Title, issuer, and full literal URL":"Kansas bank offsets, rights, bonds, exempt property, and bank failures — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0019_section/060_007_0019_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0021_section/060_007_0021_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0022_section/060_007_0022_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0024_section/060_007_0024_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0041_section/060_007_0041_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0042_section/060_007_0042_k/","Exact material read":"Complete material clauses","Status, access date, and limits":"Fresh. Current official HTML. \nKansas Legislature\n+5"},"coordinator_verification_status":"fresh_selected_primary_body_checked","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Fresh complete 60-719/721/722/724/741/742. Actual offset, bond, exempt-property/proceeds and conditional motion/notice/default/contempt remedies remain fact dependent; no guaranteed damages/fees/release.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S005","urls":["https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0005_section/061_035_0005_k/","https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0016_section/061_035_0016_k/"],"researcher_record":{"Source ID":"S_KS-P21-S005","Title, issuer, and full literal URL":"Kansas Chapter 61 parallel garnishment provisions — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0005_section/061_035_0005_k/ through https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0016_section/061_035_0016_k/","Exact material read":"Material financial-institution order, notice, answer, reply, payment, and liability provisions","Status, access date, and limits":"Fresh selected read. Parallel route; no whole Chapter 61 audit."},"coordinator_verification_status":"fresh_selected_primary_body_checked","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Eight complete bank-related Chapter 61 provisions freshly read; literal URLs expanded in coordinator map only. Q005 requires original source-register repair. 3507 earnings-only read outside scope; 3516/entire stated range not certified.","coordinator_pending_findings":["S_KS-P21-Q001","S_KS-P21-Q002","S_KS-P21-Q004","S_KS-P21-Q005"],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S006","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0008_section/060_023_0008_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0013_section/060_023_0013_k/"],"researcher_record":{"Source ID":"S_KS-P21-S006","Title, issuer, and full literal URL":"Kansas general personal-property and benefit exemptions — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0004_section/060_023_0004_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0008_section/060_023_0008_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0013_section/060_023_0013_k/","Exact material read":"Complete material ordinary property, retirement, and enumerated-benefit clauses","Status, access date, and limits":"Fresh. No full sector-specific exemption dossier. \nKansas Legislature\n+2"},"coordinator_verification_status":"fresh_selected_primary_body_checked","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Fresh complete 60-2304/2308/2313. General cash negative limited to reviewed 2304 ; 2308(a) preceding-three-month trigger is issuing process and support proof. Plan interests/payable amounts and express exceptions do not resolve every deposited distribution;724 expressly includes exempt proceeds. No conclusion that every paid distribution loses protection.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S007","urls":["https://www.kslegislature.gov/b2025_26/laws/039_000_0000_chapter/039_007_0000_article/039_007_0017_section/039_007_0017_k/","https://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_005_0000_article/044_005_0014_section/044_005_0014_k/","https://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_007_0000_article/044_007_0018_section/044_007_0018_k/","https://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_004_0000_article/040_004_0014_section/040_004_0014_k/"],"researcher_record":{"Source ID":"S_KS-P21-S007","Title, issuer, and full literal URL":"Kansas public-assistance, workers’ compensation, unemployment, and life-insurance protections — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/039_000_0000_chapter/039_007_0000_article/039_007_0017_section/039_007_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_005_0000_article/044_005_0014_section/044_005_0014_k/\nhttps://www.kslegislature.gov/b2025_26/laws/044_000_0000_chapter/044_007_0000_article/044_007_0018_section/044_007_0018_k/\nhttps://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_004_0000_article/040_004_0014_section/040_004_0014_k/","Exact material read":"Complete material exemption and exception language","Status, access date, and limits":"Fresh. Current HTML. \nKansas Legislature\n+3"},"coordinator_verification_status":"fresh_selected_primary_body_checked","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Fresh complete 39-717/44-514/44-718/40-414. Preserve under-this-act public assistance, unmingled received-unemployment and necessaries exception, source-specific workers-compensation and insurance conditions. Transfer/commingling judicial construction remains held.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S008","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0010_section/060_023_0010_k/","https://www.kslegislature.gov/li_2022/b2021_22/measures/documents/hb2608_enrolled.pdf"],"researcher_record":{"Source ID":"S_KS-P21-S008","Title, issuer, and full literal URL":"Current and historical Kansas earnings text\nCurrent K.S.A. 60-2310: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_023_0000_article/060_023_0010_section/060_023_0010_k/\n2022 HB 2608: https://www.kslegislature.gov/li_2022/b2021_22/measures/documents/hb2608_enrolled.pdf","Exact material read":"Current “payable” definition; HB 2608 §4, PDF indices 9–11 / printed pages 10–12","Status, access date, and limits":"Fresh selected PDF and current-statute read. \nKansas Legislature\n+3"},"coordinator_verification_status":"selected_current_gateway_checked_historical_PDF_and_judicial_chain_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Selected current60-2310(a)(1) payable gateway only. Historical2022 enrolled HB2608 PDF and complete amendment/current judicial chain unreopened; no KS20 wage acceptance.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S009","urls":["https://law.justia.com/cases/kansas/supreme-court/2021/121109.html"],"researcher_record":{"Source ID":"S_KS-P21-S009","Title, issuer, and full literal URL":"Stormont-Vail Healthcare v. Sievers, Kansas Supreme Court\nhttps://law.justia.com/cases/kansas/supreme-court/2021/121109.html","Exact material read":"Former-text deposited-wage tracing holding","Status, access date, and limits":"Historical in material part after 2022 amendment. Public opinion reproduction; no PDF index. \nJustia Law"},"coordinator_verification_status":"unreopened_judicial_attribution_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"One original Stormont-Vail judicial use unreopened; researcher historical holding/current application not freshly certified.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S010","urls":["https://law.justia.com/cases/kansas/supreme-court/1978/48-306-1.html","https://law.justia.com/cases/kansas/supreme-court/1978/48-868-1.html","https://law.justia.com/cases/kansas/court-of-appeals/1985/56-790-9.html"],"researcher_record":{"Source ID":"S_KS-P21-S010","Title, issuer, and full literal URL":"Kansas joint-account ownership cases\nWalnut Valley State Bank v. Stovall: https://law.justia.com/cases/kansas/supreme-court/1978/48-306-1.html\nPurma v. Stark: https://law.justia.com/cases/kansas/supreme-court/1978/48-868-1.html\nMiller v. Clayco State Bank: https://law.justia.com/cases/kansas/court-of-appeals/1985/56-790-9.html","Exact material read":"Equal presumption, beneficial ownership, wrongful continued retention","Status, access date, and limits":"Fresh selected reads. Older but still material; no complete citator. \nJustia Law\n+2"},"coordinator_verification_status":"unreopened_judicial_attribution_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Three original joint-account opinions unreopened; equal-share presumption, beneficial interest and wrongful retention remain researcher-attributed judicial/application holds.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S011","urls":["https://law.justia.com/cases/kansas/supreme-court/2024/125672.html"],"researcher_record":{"Source ID":"S_KS-P21-S011","Title, issuer, and full literal URL":"M&I Marshall & Ilsley Bank v. Higdon, Kansas Supreme Court\nhttps://law.justia.com/cases/kansas/supreme-court/2024/125672.html","Exact material read":"Conflict-of-law treatment of account ownership and tenancy by entirety","Status, access date, and limits":"Fresh selected read. Published 2024 opinion. \nJustia Law"},"coordinator_verification_status":"unreopened_judicial_attribution_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"One original Higdon conflict-of-law opinion unreopened; governing ownership law and actual account are held.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S012","urls":["https://law.justia.com/cases/kansas/supreme-court/2007/93622.html"],"researcher_record":{"Source ID":"S_KS-P21-S012","Title, issuer, and full literal URL":"LSF Franchise REO I v. Emporia Restaurants, Kansas Supreme Court\nhttps://law.justia.com/cases/kansas/supreme-court/2007/93622.html","Exact material read":"Burden to prove trust/nonownership, commingling, ownership at service","Status, access date, and limits":"Fresh selected read. Commercial-account facts. \nJustia Law"},"coordinator_verification_status":"unreopened_judicial_attribution_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"One original LSF trust/ownership opinion unreopened; no judicial holding, burden or actual trust finding independently recertified.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S013","urls":["https://law.justia.com/cases/kansas/supreme-court/2002/86433.html"],"researcher_record":{"Source ID":"S_KS-P21-S013","Title, issuer, and full literal URL":"Decker & Mattison v. Wilson, Kansas Supreme Court\nhttps://law.justia.com/cases/kansas/supreme-court/2002/86433.html","Exact material read":"Traceable workers’ compensation proceeds after deposit and joint-account transfer","Status, access date, and limits":"Fresh selected read. \nJustia Law"},"coordinator_verification_status":"unreopened_judicial_attribution_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"One original Decker workers-compensation tracing opinion unreopened; statutory exemption checked separately, deposited/tranferred-funds judicial application held.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S014","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212"],"researcher_record":{"Source ID":"S_KS-P21-S014","Title, issuer, and full literal URL":"Federal benefit account-review rule — eCFR\nhttps://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212","Exact material read":"Complete material definitions, account review, protected amount, fees, notice, safe harbor, records, and preemption provisions","Status, access date, and limits":"Fresh Oct. 26, 2026. eCFR current through Oct. 22, 2026; Title 31 last amended Oct. 15, 2026. \neCFR\n+3"},"coordinator_verification_status":"fresh_selected_primary_body_checked","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Fresh complete operative Part 212 plusAppendicesA/B and selectedAppendixC context. Q003 corrects review-duty/covered-deposit procedure scope. Metadata current10/27 rather than original10/22; no rule-change claim inferred.","coordinator_pending_findings":["S_KS-P21-Q003"],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S015","urls":["https://uscode.house.gov/us/usc/119-120/t42/s407/","https://uscode.house.gov/us/usc/119-120/t42/s1383/"],"researcher_record":{"Source ID":"S_KS-P21-S015","Title, issuer, and full literal URL":"Social Security and SSI anti-garnishment statutes — OLRC\nhttps://uscode.house.gov/us/usc/119-120/t42/s407/\nhttps://uscode.house.gov/us/usc/119-120/t42/s1383/","Exact material read":"Complete material §407 and §1383(d)(1) protections","Status, access date, and limits":"Fresh. OLRC current through Public Law 119-120, Oct. 7, 2026. \nU.S. Code\n+1"},"coordinator_verification_status":"dated_primary_evidence_reused","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Dated NE20 OLRC 407(a)–(c)/1383(d)(1) primary reuse, through 119-124 October 15 versus original 119-120 October 7. Not fresh access; actual deposit and complete exception/cross-reference universe unverified.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S016","urls":["https://uscode.house.gov/us/usc/119-120/t38/s5301/"],"researcher_record":{"Source ID":"S_KS-P21-S016","Title, issuer, and full literal URL":"Veterans-benefit protection — OLRC\nhttps://uscode.house.gov/us/usc/119-120/t38/s5301/","Exact material read":"Complete material exemption language and exceptions","Status, access date, and limits":"Fresh. \nU.S. Code"},"coordinator_verification_status":"dated_primary_evidence_reused","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Dated NE20 GovInfo 5301(a)–(e) parsed text pp.1052–1053/PDF indices 0–1, not original OLRC119-120 path. Prior 119-124 OLRC failure retained; edition/currentness/pixels unverified. Purchased-property statutory clause is as to taxation; separate Porter/Lawrence construction not adopted.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S017","urls":["https://uscode.house.gov/us/usc/119-120/t5/s8346/","https://uscode.house.gov/us/usc/119-120/t5/s8470/","https://uscode.house.gov/us/usc/119-120/t45/s231m/","https://uscode.house.gov/us/usc/119-120/t45/s352/"],"researcher_record":{"Source ID":"S_KS-P21-S017","Title, issuer, and full literal URL":"Federal retirement and railroad benefit statutes — OLRC/GovInfo\nhttps://uscode.house.gov/us/usc/119-120/t5/s8346/\nhttps://uscode.house.gov/us/usc/119-120/t5/s8470/\nhttps://uscode.house.gov/us/usc/119-120/t45/s231m/\nhttps://uscode.house.gov/us/usc/119-120/t45/s352/","Exact material read":"Material anti-assignment and anti-garnishment provisions","Status, access date, and limits":"Fresh selected read/search. Program-specific exceptions not exhaustively analyzed. \nU.S. Code\n+3"},"coordinator_verification_status":"dated_primary_evidence_reused","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Dated NE20 OLRC 8346/8470 complete operative clauses,352(e) and GovInfo 231m(a)/(b). Exact versions and statutory exceptions recorded; no full program/eligibility/domestic-relations/cross-reference audit, no new pixels.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S018","urls":["https://supreme.justia.com/cases/federal/us/409/413/","https://supreme.justia.com/cases/federal/us/370/159/","https://supreme.justia.com/cases/federal/us/300/245/"],"researcher_record":{"Source ID":"S_KS-P21-S018","Title, issuer, and full literal URL":"Federal deposited-benefit cases\nPhilpott: https://supreme.justia.com/cases/federal/us/409/413/\nPorter: https://supreme.justia.com/cases/federal/us/370/159/\nLawrence: https://supreme.justia.com/cases/federal/us/300/245/","Exact material read":"Traceable Social Security and VA deposits retaining exempt character","Status, access date, and limits":"Fresh selected reads of reproduced Supreme Court opinions. \nJustia Law\n+2"},"coordinator_verification_status":"unreopened_judicial_attribution_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Three original Supreme Court deposited-benefit judicial uses unreopened. Underlying source statutes do not independently certify all transfer/character-of-money outcomes.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S019","urls":["https://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment","https://www.kjc.ks.gov/legal-forms/chapter-61-civil-actions/garnishment-and-attachment"],"researcher_record":{"Source ID":"S_KS-P21-S019","Title, issuer, and full literal URL":"Kansas Judicial Council nonearnings garnishment forms\nhttps://www.kjc.ks.gov/legal-forms/chapter-60-civil-actions/garnishment-and-attachment\nhttps://www.kjc.ks.gov/legal-forms/chapter-61-civil-actions/garnishment-and-attachment","Exact material read":"Official form-title inventory","Status, access date, and limits":"Failed direct access/HTTP 403. Revision dates and full form text not read; no substantive reliance. \nKansas Judicial Council\n+1"},"coordinator_verification_status":"prior_failed_forms_access_hold_preserved","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Original two official form endpoints reported HTTP403. No fresh fetch, current form body/revision/title inventory certification or access workaround; forms access hold preserved.","coordinator_pending_findings":[],"coordinator_parent_acceptance":false},{"source_id":"S_KS-P21-S020","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/"],"researcher_record":{"Source ID":"S_KS-P21-S020","Title, issuer, and full literal URL":"Kansas service and time computation\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","Exact material read":"Garnishment service and day-counting provisions","Status, access date, and limits":"Fresh. No actual service or court-closure facts. \nKansas Legislature\n+1"},"coordinator_verification_status":"dated_primary_evidence_reused","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_scope":"Dated KS13 full operative 60-303/60-206 reused and reread; Q005 adds missing atomic service/computation claims. No actual service/filing/timezone/holiday/access/emergency or terminal-date conclusion.","coordinator_pending_findings":["S_KS-P21-Q005"],"coordinator_parent_acceptance":false}],"coverage":[{"topic":"Postjudgment bank-garnishment route","researcher_record":{"Assigned issue":"Postjudgment bank-garnishment route","Status":"Answered","Claims":"C001–C004","Exact missing evidence or next action":"Actual judgment and court"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q004"],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Bounded correction or traceability qualification required before this row can be treated as accepted.","coordinator_parent_acceptance":false},{"topic":"Fourteen-day waiting period","researcher_record":{"Assigned issue":"Fourteen-day waiting period","Status":"Answered","Claims":"C001","Exact missing evidence or next action":"Judgment entry and stay facts"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Prejudgment bank attachment","researcher_record":{"Assigned issue":"Prejudgment bank attachment","Status":"Excluded except boundary","Claims":"—","Exact missing evidence or next action":"Separate attachment pass"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"110% withholding","researcher_record":{"Assigned issue":"110% withholding","Status":"Answered","Claims":"C005","Exact missing evidence or next action":"Actual judgment balance"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"$15 bank fee","researcher_record":{"Assigned issue":"$15 bank fee","Status":"Answered","Claims":"C006–C007","Exact missing evidence or next action":"Actual funds and federal protection"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q001"],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Bounded correction or traceability qualification required before this row can be treated as accepted.","coordinator_parent_acceptance":false},{"topic":"Service-to-answer snapshot","researcher_record":{"Assigned issue":"Service-to-answer snapshot","Status":"Answered","Claims":"C004","Exact missing evidence or next action":"Actual service/answer dates"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Multiple accounts","researcher_record":{"Assigned issue":"Multiple accounts","Status":"Answered generally","Claims":"C008","Exact missing evidence or next action":"Account ownership and sources"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Joint-account initial freeze","researcher_record":{"Assigned issue":"Joint-account initial freeze","Status":"Answered","Claims":"C009","Exact missing evidence or next action":"Actual account title and balance"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Joint-account ultimate ownership","researcher_record":{"Assigned issue":"Joint-account ultimate ownership","Status":"Answered doctrinally","Claims":"C010–C012","Exact missing evidence or next action":"Contributions, foreign law, account records"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Successive garnishments","researcher_record":{"Assigned issue":"Successive garnishments","Status":"Answered","Claims":"C013, C046–C047","Exact missing evidence or next action":"Actual order identity and dates"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q003","S_KS-P21-Q004"],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Bounded correction or traceability qualification required before this row can be treated as accepted.","coordinator_parent_acceptance":false},{"topic":"Debtor notice","researcher_record":{"Assigned issue":"Debtor notice","Status":"Answered","Claims":"C014–C017","Exact missing evidence or next action":"Service proof"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Bank answer","researcher_record":{"Assigned issue":"Bank answer","Status":"Answered","Claims":"C018","Exact missing evidence or next action":"Actual answer"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q002"],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Bounded correction or traceability qualification required before this row can be treated as accepted.","coordinator_parent_acceptance":false},{"topic":"Reply and hearing","researcher_record":{"Assigned issue":"Reply and hearing","Status":"Answered","Claims":"C019–C020","Exact missing evidence or next action":"Transmission and filing dates"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Payment order","researcher_record":{"Assigned issue":"Payment order","Status":"Answered","Claims":"C021","Exact missing evidence or next action":"Actual court order"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"60-day release","researcher_record":{"Assigned issue":"60-day release","Status":"Answered","Claims":"C022","Exact missing evidence or next action":"Creditor receipt date"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Bank default/nonpayment","researcher_record":{"Assigned issue":"Bank default/nonpayment","Status":"Answered","Claims":"C023","Exact missing evidence or next action":"Motion, defenses, court findings"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Bank setoff","researcher_record":{"Assigned issue":"Bank setoff","Status":"Answered narrowly","Claims":"C026","Exact missing evidence or next action":"Account agreement and protected-fund restrictions"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Substitute bond","researcher_record":{"Assigned issue":"Substitute bond","Status":"Answered","Claims":"C025","Exact missing evidence or next action":"Court-approved amount/security"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"General cash exemption","researcher_record":{"Assigned issue":"General cash exemption","Status":"No general amount located in reviewed provision","Claims":"C027","Exact missing evidence or next action":"Other sector/local statutes"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Public assistance","researcher_record":{"Assigned issue":"Public assistance","Status":"Answered","Claims":"C028","Exact missing evidence or next action":"Payment identification"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Workers’ compensation","researcher_record":{"Assigned issue":"Workers’ compensation","Status":"Answered","Claims":"C029–C030","Exact missing evidence or next action":"Source and tracing"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Unemployment","researcher_record":{"Assigned issue":"Unemployment","Status":"Answered with anti-commingling condition","Claims":"C031","Exact missing evidence or next action":"Actual commingling"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Retirement","researcher_record":{"Assigned issue":"Retirement","Status":"Partial gateway","Claims":"C032–C033","Exact missing evidence or next action":"Plan qualification and exceptions"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Partial gateway or excluded specialized authority remains partial; no complete program/retirement/insurance/payee audit.","coordinator_parent_acceptance":false},{"topic":"Life insurance","researcher_record":{"Assigned issue":"Life insurance","Status":"Partial gateway","Claims":"C034","Exact missing evidence or next action":"Policy/proceeds facts"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Partial gateway or excluded specialized authority remains partial; no complete program/retirement/insurance/payee audit.","coordinator_parent_acceptance":false},{"topic":"Deposited ordinary wages","researcher_record":{"Assigned issue":"Deposited ordinary wages","Status":"Unresolved under current text","Claims":"C035–C037","Exact missing evidence or next action":"Current controlling case or additional statute"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Trust/fiduciary funds","researcher_record":{"Assigned issue":"Trust/fiduciary funds","Status":"Answered doctrinally","Claims":"C038–C039","Exact missing evidence or next action":"Actual trust and tracing evidence"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Federal automatic review","researcher_record":{"Assigned issue":"Federal automatic review","Status":"Answered","Claims":"C040–C050","Exact missing evidence or next action":"Actual payment codes/order"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q003"],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Bounded correction or traceability qualification required before this row can be treated as accepted.","coordinator_parent_acceptance":false},{"topic":"Federal notice exception","researcher_record":{"Assigned issue":"Federal notice exception","Status":"Answered","Claims":"C042","Exact missing evidence or next action":"Actual issuer/order authority"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Lookback formula","researcher_record":{"Assigned issue":"Lookback formula","Status":"Answered","Claims":"C043","Exact missing evidence or next action":"Actual deposits/balance"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Commingling under Part 212","researcher_record":{"Assigned issue":"Commingling under Part 212","Status":"Answered","Claims":"C044","Exact missing evidence or next action":"Underlying exemption still separate"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Account transfers","researcher_record":{"Assigned issue":"Account transfers","Status":"Answered for automatic review; underlying claim held","Claims":"C045, C055","Exact missing evidence or next action":"Transfer records and tracing"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Paper benefit check","researcher_record":{"Assigned issue":"Paper benefit check","Status":"Answered","Claims":"C054–C055","Exact missing evidence or next action":"Actual check/source"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q003"],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Bounded correction or traceability qualification required before this row can be treated as accepted.","coordinator_parent_acceptance":false},{"topic":"Social Security/SSI","researcher_record":{"Assigned issue":"Social Security/SSI","Status":"Answered generally","Claims":"C051, C055","Exact missing evidence or next action":"Federal exception and tracing facts"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"VA benefits","researcher_record":{"Assigned issue":"VA benefits","Status":"Answered generally","Claims":"C052, C055","Exact missing evidence or next action":"Program exception and tracing"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"OPM/Railroad","researcher_record":{"Assigned issue":"OPM/Railroad","Status":"Answered generally","Claims":"C053","Exact missing evidence or next action":"Exact benefit and exception"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Partial gateway or excluded specialized authority remains partial; no complete program/retirement/insurance/payee audit.","coordinator_parent_acceptance":false},{"topic":"Bank fee against protected amount","researcher_record":{"Assigned issue":"Bank fee against protected amount","Status":"Answered—prohibited","Claims":"C048","Exact missing evidence or next action":"Actual nonprotected funds"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Federal bank notice","researcher_record":{"Assigned issue":"Federal bank notice","Status":"Answered","Claims":"C049","Exact missing evidence or next action":"Actual conditions and delivery"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Underlying exemption above automatic amount","researcher_record":{"Assigned issue":"Underlying exemption above automatic amount","Status":"Answered conceptually","Claims":"C050–C055","Exact missing evidence or next action":"Court claim and tracing"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Representative payee/fiduciary","researcher_record":{"Assigned issue":"Representative payee/fiduciary","Status":"Partial","Claims":"C038–C040","Exact missing evidence or next action":"Account title, program rules, beneficial owner"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Partial gateway or excluded specialized authority remains partial; no complete program/retirement/insurance/payee audit.","coordinator_parent_acceptance":false},{"topic":"Joint owner burden","researcher_record":{"Assigned issue":"Joint owner burden","Status":"Answered generally","Claims":"C010–C012","Exact missing evidence or next action":"Evidence and applicable state law"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Wrongful initial freeze","researcher_record":{"Assigned issue":"Wrongful initial freeze","Status":"Safe-harbor boundary answered","Claims":"C057","Exact missing evidence or next action":"Good faith and statutory compliance"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Wrongful continued retention","researcher_record":{"Assigned issue":"Wrongful continued retention","Status":"Answered through case boundary","Claims":"C058","Exact missing evidence or next action":"Ownership order, delay, actual damages"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Automatic stay from exemption request","researcher_record":{"Assigned issue":"Automatic stay from exemption request","Status":"Not established","Claims":"C059","Exact missing evidence or next action":"Court order required"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Time computation","researcher_record":{"Assigned issue":"Time computation","Status":"Answered generally","Claims":"C060","Exact missing evidence or next action":"Actual dates, holiday, court access"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":["S_KS-P21-Q005"],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Bounded correction or traceability qualification required before this row can be treated as accepted.","coordinator_parent_acceptance":false},{"topic":"Current Kansas forms","researcher_record":{"Assigned issue":"Current Kansas forms","Status":"Inventory only","Claims":"C061","Exact missing evidence or next action":"Recover accessible current PDFs and revisions"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Current form bodies and revisions remain unread behind the exact reported access hold.","coordinator_parent_acceptance":false},{"topic":"Bank levy of deposited benefits beyond this scope","researcher_record":{"Assigned issue":"Bank levy of deposited benefits beyond this scope","Status":"Partial","Claims":"C040–C055","Exact missing evidence or next action":"Program-specific full dossier"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Partial gateway or excluded specialized authority remains partial; no complete program/retirement/insurance/payee audit.","coordinator_parent_acceptance":false},{"topic":"Wage garnishment","researcher_record":{"Assigned issue":"Wage garnishment","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"PASS-20 remains unreviewed"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. KS20 review belongs to root and no premise is adopted here.","coordinator_parent_acceptance":false},{"topic":"Physical personal property","researcher_record":{"Assigned issue":"Physical personal property","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate execution pass"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Homestead and real estate","researcher_record":{"Assigned issue":"Homestead and real estate","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate property-exemption pass"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Business accounts","researcher_record":{"Assigned issue":"Business accounts","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Entity/property and commercial-debt analysis"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Support/tax/student-loan/federal agency","researcher_record":{"Assigned issue":"Support/tax/student-loan/federal agency","Status":"Excluded except notice boundary","Claims":"C042","Exact missing evidence or next action":"Specialized passes"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Partial gateway or excluded specialized authority remains partial; no complete program/retirement/insurance/payee audit.","coordinator_parent_acceptance":false},{"topic":"Bankruptcy","researcher_record":{"Assigned issue":"Bankruptcy","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Stay, turnover, discharge, exemptions"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Underlying judgment lifecycle","researcher_record":{"Assigned issue":"Underlying judgment lifecycle","Status":"Not adopted from PASS-19","Claims":"—","Exact missing evidence or next action":"Separate coordinator review"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. KS19 completed scoped review now exists with six UNSENT findings and legal/source/currentness holds; no entire judgment-lifecycle premise adopted.","coordinator_parent_acceptance":false},{"topic":"Standing/assignment/debt validity","researcher_record":{"Assigned issue":"Standing/assignment/debt validity","Status":"Excluded","Claims":"C062","Exact missing evidence or next action":"Actual judgment and chain"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Local, tribal, foreign-country law","researcher_record":{"Assigned issue":"Local, tribal, foreign-country law","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate jurisdictional review"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Complete citator/history audit","researcher_record":{"Assigned issue":"Complete citator/history audit","Status":"Not performed","Claims":"C037, C055, C058","Exact missing evidence or next action":"Later appellate review"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance. Judicial source/currentness/tracing or ownership premise remains unreopened.","coordinator_parent_acceptance":false},{"topic":"Actual account or court record","researcher_record":{"Assigned issue":"Actual account or court record","Status":"Not reviewed","Claims":"C062","Exact missing evidence or next action":"Authorized public/private evidence required"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false},{"topic":"Component/state/parent/A066 acceptance","researcher_record":{"Assigned issue":"Component/state/parent/A066 acceptance","Status":"Not evaluated","Claims":"C062","Exact missing evidence or next action":"No acceptance follows"},"coordinator_acceptance":"not_accepted_scoped_review_complete_original_and_new_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T04:13:56.880533+00:00","coordinator_pending_findings":[],"coordinator_scope":"Original missing evidence and scope exclusions retained. No component or parent acceptance.","coordinator_parent_acceptance":false}],"annotations":{},"corrections":[{"issue_id":"S_KS-P21-Q001","finding":"Use the statutory fee-deduction predicate instead of a combined order-plus-fee shortfall","affected_claim_ids":["S_KS-P21-C007"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":8,"raw_array_row_index_zero_based_including_header":7,"header_repeated_at_row_zero":true,"row_cells_sha256":"7b0aae0816c7659d29861b433bdafee57135e6504c0690377dcca281f2e85017","verbatim_cells":["S_KS-P21-C007","If funds are insufficient for both order and fee, fee is deducted from withheld amount.","S002","Bank calculation. High."]},{"raw_table_index_zero_based":9,"raw_array_row_index_zero_based_including_header":5,"header_repeated_at_row_zero":true,"row_cells_sha256":"7d4fa6c9ddbee938235dc54b3a6903faee70e408aba2063522b95978e9408f9c","verbatim_cells":["$15 bank fee","Answered","C006–C007","Actual funds and federal protection"]}],"exact_original_cell_matches":[],"source_urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/","https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0006_section/061_035_0006_k/"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P21-Q002","finding":"Preserve the represented-creditor branch in bank-answer recipients","affected_claim_ids":["S_KS-P21-C018"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":7,"header_repeated_at_row_zero":true,"row_cells_sha256":"10510a950df8dc393ae272e25aecf617ccfe5f05bc5183f946d8e4357d72cc08","verbatim_cells":["Bank","Answer","Service of order","14 days","Reports property, fees, offsets","Actual answer"]},{"raw_table_index_zero_based":8,"raw_array_row_index_zero_based_including_header":18,"header_repeated_at_row_zero":true,"row_cells_sha256":"bc5a570c2c058cbf4b8b590cf4f0416eb3e33718e3a15bd9b813164929fce0fa","verbatim_cells":["S_KS-P21-C018","Bank answer due within 14 days after order service.","S003, §60-736","Bank. High."]},{"raw_table_index_zero_based":9,"raw_array_row_index_zero_based_including_header":12,"header_repeated_at_row_zero":true,"row_cells_sha256":"44fd6a4dc6dc62fdc206a549c4fd693a2e83b162ad30846605735156cfbab70e","verbatim_cells":["Bank answer","Answered","C018","Actual answer"]}],"exact_original_cell_matches":[],"source_urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0036_section/060_007_0036_k/","https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0009_section/061_035_0009_k/"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P21-Q003","finding":"Separate the duty to review an account from an encoded benefit and the section 212.6 procedures","affected_claim_ids":["S_KS-P21-C046","S_KS-P21-C047","S_KS-P21-C054"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":8,"raw_array_row_index_zero_based_including_header":46,"header_repeated_at_row_zero":true,"row_cells_sha256":"72aaa33bdaad0d8b32d4d5a31ba9c0425cf42bc6cffc879a450cf37c4cb4c220","verbatim_cells":["S_KS-P21-C046","Same order gets one review; new or different order requires new review.","S014","Successive orders. High."]},{"raw_table_index_zero_based":8,"raw_array_row_index_zero_based_including_header":47,"header_repeated_at_row_zero":true,"row_cells_sha256":"1eab4009c85d6880a49f402f60418f5d1d05909f2607c68703bb956b6e0eedbb","verbatim_cells":["S_KS-P21-C047","Bank cannot continually freeze later deposits under same order after review.","S014","Federal preemption. High."]},{"raw_table_index_zero_based":8,"raw_array_row_index_zero_based_including_header":54,"header_repeated_at_row_zero":true,"row_cells_sha256":"d96a6c46fd1237f098a9475745eb4e1548516bad63f69aecc338b553844d4e89","verbatim_cells":["S_KS-P21-C054","Paper benefit check does not trigger automatic Part 212 review.","S014","Underlying exemption can still be claimed. High."]},{"raw_table_index_zero_based":9,"raw_array_row_index_zero_based_including_header":10,"header_repeated_at_row_zero":true,"row_cells_sha256":"bb58b2f04992ff3957e947952477143c57c081818b62681b1214057889f8d8cf","verbatim_cells":["Successive garnishments","Answered","C013, C046–C047","Actual order identity and dates"]},{"raw_table_index_zero_based":9,"raw_array_row_index_zero_based_including_header":27,"header_repeated_at_row_zero":true,"row_cells_sha256":"9489ee84f6a5408f5de63c88c2b73327183d2145f2c6d739fdf993ac484bdfcb","verbatim_cells":["Federal automatic review","Answered","C040–C050","Actual payment codes/order"]},{"raw_table_index_zero_based":9,"raw_array_row_index_zero_based_including_header":32,"header_repeated_at_row_zero":true,"row_cells_sha256":"bfdec03b963af8984ccdc37de353b269d6875cb4dd8ae2bab2071e9af854f257","verbatim_cells":["Paper benefit check","Answered","C054–C055","Actual check/source"]}],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P21-Q004","finding":"Include the baseline good-faith asset belief before seeking a bank order","affected_claim_ids":["S_KS-P21-C001","S_KS-P21-C013"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":0,"raw_array_row_index_zero_based_including_header":1,"header_repeated_at_row_zero":true,"row_cells_sha256":"2632af49166926c7cf62298d5346e52d3e1476d6de13d1d62d529bddc15a3872","verbatim_cells":["Chapter 60 ordinary civil judgment","More than 14 days after valid judgment","K.S.A. 60-729 through 60-743","No prior execution or creditor bond ordinarily required"]},{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":1,"header_repeated_at_row_zero":true,"row_cells_sha256":"7ce681f98ffe0b063c9c81524dd2ae7a370b6b0cc680938c25d0bb29767a0bfa","verbatim_cells":["Judgment creditor","Initiation","Valid judgment; 14 days elapsed; request and balance","Creditor","Garnishment order","Actual judgment and balance"]},{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":3,"header_repeated_at_row_zero":true,"row_cells_sha256":"a6e7227f5bc9e80cf3cebe745dc81eb17a7b7040a7ec8dff6d692594e50cf7a4","verbatim_cells":["Court/clerk","Issuance","Proper request and competent jurisdiction","Court","Order and answer form","Actual court route"]},{"raw_table_index_zero_based":8,"raw_array_row_index_zero_based_including_header":1,"header_repeated_at_row_zero":true,"row_cells_sha256":"692342aa4fc4ca60975543fc7c3b1523a2e9e1201d4a8e9e43239e386cde595d","verbatim_cells":["S_KS-P21-C001","Ordinary Kansas bank garnishment is postjudgment and available after 14 days.","S001, K.S.A. 60-731","Creditor/court; valid judgment required. High."]},{"raw_table_index_zero_based":8,"raw_array_row_index_zero_based_including_header":13,"header_repeated_at_row_zero":true,"row_cells_sha256":"795c19ddb0cad363c788346ec558badd0de205c68607e649a2da8b247cbe9278","verbatim_cells":["S_KS-P21-C013","Same creditor ordinarily limited to two garnishments per 30 days on same claim/debtor.","S002","Judicial exception requires statutory showing. High."]},{"raw_table_index_zero_based":9,"raw_array_row_index_zero_based_including_header":1,"header_repeated_at_row_zero":true,"row_cells_sha256":"fc53f66dada298bfe23b509ce97578173eaefb0306322cf2c19748536b13876f","verbatim_cells":["Postjudgment bank-garnishment route","Answered","C001–C004","Actual judgment and court"]},{"raw_table_index_zero_based":9,"raw_array_row_index_zero_based_including_header":10,"header_repeated_at_row_zero":true,"row_cells_sha256":"bb58b2f04992ff3957e947952477143c57c081818b62681b1214057889f8d8cf","verbatim_cells":["Successive garnishments","Answered","C013, C046–C047","Actual order identity and dates"]}],"exact_original_cell_matches":[],"source_urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_007_0000_article/060_007_0033_section/060_007_0033_k/","https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0006_section/061_035_0006_k/"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P21-Q005","finding":"Provide literal Chapter 61 locators and atomic service/time mechanics","affected_claim_ids":["S_KS-P21-C060"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":7,"raw_array_row_index_zero_based_including_header":5,"header_repeated_at_row_zero":true,"row_cells_sha256":"d7167420ad3dbd3c13fe0e8dc7e1758177d6879246444733ecec5c9df516aab7","verbatim_cells":["S_KS-P21-S005","Kansas Chapter 61 parallel garnishment provisions — Kansas Revisor\nhttps://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0005_section/061_035_0005_k/ through https://www.kslegislature.gov/b2025_26/laws/061_000_0000_chapter/061_035_0000_article/061_035_0016_section/061_035_0016_k/","Material financial-institution order, notice, answer, reply, payment, and liability provisions","Fresh selected read. Parallel route; no whole Chapter 61 audit."]},{"raw_table_index_zero_based":7,"raw_array_row_index_zero_based_including_header":20,"header_repeated_at_row_zero":true,"row_cells_sha256":"0b9bdb658408851ff18875eedea87ce3e2706a07bbf1bf91fb25f96bcb6742b8","verbatim_cells":["S_KS-P21-S020","Kansas service and time computation\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_003_0000_article/060_003_0003_section/060_003_0003_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","Garnishment service and day-counting provisions","Fresh. No actual service or court-closure facts. \nKansas Legislature\n+1"]},{"raw_table_index_zero_based":8,"raw_array_row_index_zero_based_including_header":60,"header_repeated_at_row_zero":true,"row_cells_sha256":"7a2f27dd4159b5645a9369a7c25b0bc9332a8f17886650ff571f3a8493b77099","verbatim_cells":["S_KS-P21-C060","Exact deadline cannot be calculated without service and filing facts.","S003, S020","Time computation. High."]},{"raw_table_index_zero_based":9,"raw_array_row_index_zero_based_including_header":44,"header_repeated_at_row_zero":true,"row_cells_sha256":"1c2c9a134df64b715adfe42b886733d8672f79011b4378c26dfae5e3111fb013","verbatim_cells":["Time computation","Answered generally","C060","Actual dates, holiday, court access"]}],"exact_original_cell_matches":[],"source_urls":[],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_KS-P21-SCOPED","status":"scoped_review_complete_with_corrections_and_holds","at":null}]}