{"meta":{"key":"s_ne--pass-20","task":"S_NE","title":"SNE Nebraska bank-account garnishment, deposit and benefit exemptions, ownership, and tracing","parent_title":"Nebraska debt and debt relief law","edition":"pass-20","path":"/research/s_ne--pass-20/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":55,"sources":22,"review_status":"scoped_followup_groups_resolved_with_limits_after_P25_no_component_acceptance","review_complete":true,"sha256":"4dc9d8b9375d2a04aceca9b556673387d94e8c55043ee6f1c4435bd05a08ab45","headings":["Focused determination","B1. Existing court judgment is required","B2. Filing court and affidavit","B3. Service on a financial institution","B4. What the bank holds","B5. Interrogatories and bank answer","B6. Notice to the debtor","B7. Hearing and claim","B8. Transfer requires a court order","B9. Bank-answer dispute and bank liability","C1. General personal-property selection: $5,970","C2. Deposited wages","C3. Earned-income tax-credit refunds","C4. Unemployment benefits","C5. Workers’ compensation","C6. Public assistance","C7. Retirement-plan interests","C8. Insurance and annuity proceeds","D1. Covered benefits and payment method","D2. Initial federal-benefits notice check","D3. Protected-amount formula","D4. Uniform review rules","D5. Excess funds","D6. Bank notice","D7. One review per order","D8. Garnishment fee","D9. Safe harbor and records","E1. Social Security and SSI","E2. Nebraska commingling and tracing rule","E3. VA benefits","E4. Railroad benefits","E5. Federal civil-service retirement","E6. Automatic review versus underlying exemption","F1. Nebraska ownership rule","F2. Garnishment effect","F3. Federal automatic review and co-owners","F4. Representative payee and fiduciary accounts","F5. Setoff distinction","Example 1 — ordinary unprotected account balance","Example 2 — Nebraska personal-property selection","Example 3 — covered federal direct deposits","Example 4 — balance below covered deposits","Example 5 — paper check versus direct deposit","Direct deposit","Paper check deposited by customer","Example 6 — commingled wages and federal benefits","Example 7 — federal benefits above the automatic amount","Example 8 — joint account with nondebtor contributions","Example 9 — transfer between accounts","Example 10 — special order carrying federal-benefits notice","Example 11 — debtor discovers the freeze after bank review","Example 12 — successive garnishment orders","Example 13 — bank garnishment fee formula","Example 14 — unemployment benefits commingled","Freshly read in PASS-20","Arithmetic self-check","Bounded unresolved searches","Source and form limitations","Not performed"],"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_NE/pass-20","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["levy"],"subject":["ownership-transfer","bank-garnishment","exemptions-property","employment-care-benefits"]},"scope":"Independent remaining bank-garnishment/deposit-benefit exemption/tracing component","pending_corrections":0},"markdown":"# S_NE PASS-20 — Nebraska bank-account garnishment, deposit and benefit exemptions, ownership, and tracing\n\n**Actual fresh research date:** October 26, 2026, Pacific / October 26, 2026 UTC\n**Mode/model:** Regular Chat; GPT-5.6 Sol Pro\n**Review status:** Same-project continuation for later coordinator review; **not independent review**.\n\nThis pass is limited to ordinary Nebraska postjudgment garnishment of checking, savings, and similar deposit accounts for unsecured consumer money judgments. It addresses the bank’s duties, the creditor’s process, debtor and third-party claims, Nebraska exemptions that can reach deposit accounts, federal benefit protections, tracing and commingling, joint-account ownership, transfer of nonexempt funds, and bounded consequences for noncompliance.\n\nPASS-18 and PASS-19, along with PASS-08 through PASS-17, remain saved but unreviewed. None of their new conclusions is adopted as a premise. The narrow judgment prerequisite, garnishment process, and exemption authorities used here were freshly read.\n\nThis pass does **not** complete wage garnishment, physical execution, homestead, retirement-plan administration, child support, tax levies, federal administrative garnishment, student loans, bankruptcy, probate, medical or governmental debt, secured claims, credit reporting, or local, tribal, and foreign-country law.\n\n## Focused determination\n\nNebraska ordinary bank garnishment does not begin merely because a debt exists or a creditor has obtained a judgment. The judgment creditor—or its authorized agent or attorney—must file a sworn garnishment affidavit in the court where the judgment was entered, obtain a summons and interrogatories, and properly serve the financial institution. The bank then answers under oath and holds only property or credits of the debtor that it possessed or controlled at the time of service, ordinarily capped by the judgment, interest, and costs stated in the summons. Transfer to the creditor requires a further court order. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056&utm_source=chatgpt.com))\n\nNebraska’s process includes two separate notice systems:\n\n1. The judgment creditor must send the debtor the garnishment papers, exemption notice, and hearing-request form by certified mail within seven business days after issuance. The debtor’s request for a garnishment hearing is due within three business days after **receipt**, and the court must grant a hearing within ten days after the request.\n2. If federally protected benefits were directly deposited, the bank may also owe a separate federal notice after conducting the account review required by 31 C.F.R. Part 212.\n\nA federal bank notice is not a substitute for the Nebraska court notice, and the Nebraska notice does not perform the federal account review. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011&utm_source=chatgpt.com))\n\nNebraska has no one automatic dollar exemption for every bank account. The principal state-law general exemption is a resident natural person’s personal-property selection under §25-1552. The currently adjusted amount is **$5,970 for 2023 through 2027**. Nebraska appellate authority holds that this exemption can be asserted against funds in a bank account, but the debtor must claim it, list the debtor’s personal property, identify the property selected, and account for the available cap. It is not an automatic per-account floor. ([revenue.nebraska.gov](https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf?utm_source=chatgpt.com))\n\nFederal benefit protection has two layers:\n\n- **Automatic bank protection under 31 C.F.R. Part 212:** for specially encoded direct deposits of Social Security, SSI, VA, Railroad Retirement or Railroad Unemployment, and federal civil-service retirement benefits, the bank protects the lesser of the account balance or the total covered benefit deposits during the two-month lookback period.\n- **Underlying statutory exemption:** federal statutes can protect more than the automatic bank amount, including older deposits or deposits not automatically identified, if the claimant proves the funds remain exempt and traceable.\n\nThe automatic Part 212 amount is not the maximum substantive exemption. It is the amount the bank must make immediately available without requiring a court claim. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\nThe Nebraska Supreme Court has held that deposited Social Security funds remain exempt even when commingled with nonexempt funds, so long as the exempt source is reasonably traceable. The claimant bears the burden of proving the exemption. Nebraska did **not** adopt one exclusive tracing formula such as first-in-first-out or the lowest-intermediate-balance rule in that decision. Bank statements, deposit records, withdrawal history, benefit records, and credible testimony can all matter. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB&utm_source=chatgpt.com))\n\nNebraska’s wage-percentage limits do not automatically follow wages into a deposit account. Section 25-1558 protects “earnings” in the employer-to-employee garnishment process. No controlling Nebraska authority located in this pass extends the 15% or 25% wage formula to all deposited wages. Deposited wages may still be protected through another applicable exemption—most notably the §25-1552 personal-property selection—but “this came from payroll” does not itself establish that only 15% or 25% of the deposit is reachable. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1558&utm_source=chatgpt.com))\n\nA joint account is not automatically all debtor property and is not automatically immune. During the parties’ lifetimes, Nebraska generally assigns ownership in proportion to each party’s net contribution unless clear and convincing evidence shows a different intent; spouses are presumed to own equally absent proof to the contrary. A nondebtor owner can intervene in the garnishment and assert ownership. The creditor can acquire no greater right against the bank than the debtor had. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=30-2722&utm_source=chatgpt.com))\n\n# A. Procedure, actors, and account-freeze matrix\n\n| Stage | Actor | Trigger or required document | Principal duty | Consequence and limit |\n| --- | --- | --- | --- | --- |\n| **Judgment prerequisite** | Judgment creditor | Enforceable judgment entered by a court of record | Identify judgment and current amount due | No ordinary postjudgment bank garnishment without the judgment |\n| **Application** | Creditor, agent, or attorney | Sworn affidavit and praecipe filed in the court that entered judgment | State judgment, amount due, interest, costs, debtor address, and good-faith belief bank holds debtor property or owes debtor credits | Affidavit does not itself freeze an account |\n| **Issuance** | Clerk | Garnishment affidavit accepted | Issue summons and written interrogatories | Summons states the amount claimed |\n| **Bank service** | Creditor/process server | Valid civil-summons service at a statutorily valid bank location | Serve summons, interrogatories, debtor notice, and hearing form | Service—not judgment entry—creates the bank’s immediate hold duties |\n| **Bank hold** | Bank/garnishee | Valid service | Hold debtor property or credits under bank control at service, ordinarily no more than stated judgment, interest, and costs where the only property is undisputed credits | Nonwage garnishment is a snapshot at service, not a continuing lien on future deposits |\n| **Federal benefit review** | Bank | Garnishment order received against an account holder | Review for protected direct-deposit benefits unless the order contains the special federal-benefits notice exception | Bank establishes an automatic protected amount before freezing excess funds |\n| **Bank answer** | Bank | Service | Answer interrogatories under oath within ten days | Identifies property, credits, ownership, and amount held |\n| **Creditor’s debtor notice** | Creditor | Issuance of garnishment | Send debtor copies by certified mail within seven business days; certify mailing | Distinct from bank’s Part 212 notice |\n| **Debtor hearing** | Debtor/account owner | Receipt of Nebraska notice | File request within three business days after receipt | Court must grant hearing within ten days after request |\n| **Third-party ownership claim** | Joint owner, payee, fiduciary, or other claimant | Claim that funds do not belong to judgment debtor | Intervene and plead ownership or nonliability | Court determines ownership and exempt status |\n| **Transfer request** | Creditor | Bank answer showing potentially nonexempt funds | Apply for order delivering nonexempt funds | Bank does not transfer merely because it answered |\n| **Court disposition** | Court | Answer, objections, hearing evidence, and transfer application | Order release, quash, partial transfer, or full transfer of nonexempt property | Court order controls disposition |\n| **Bank-answer challenge** | Creditor | Dissatisfaction with answer or alleged noncompliance | Apply within 20 days to determine garnishee liability | No timely application generally discharges bank from that contested liability |\n| **Final garnishee adjudication** | Court | Liability proceeding completed | Determine what bank owed or held at service | Judgment creditor’s rights rise no higher than debtor’s rights against bank |\n| **Release** | Creditor/court | Exemption sustained, no debtor property, judgment satisfied, or order quashed | Release bank from hold | No automatic release from private negotiation alone |\n\nThe principal procedural provisions are §§25-1056, 25-1011, and 25-1026 through 25-1031.01. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026&utm_source=chatgpt.com))\n\n# B. Nebraska postjudgment bank-garnishment procedure\n\n## B1. Existing court judgment is required\n\nSection 25-1056 is garnishment **in aid of execution** and begins only after judgment has been entered by a court of record. In *Cattle National Bank & Trust Co. v. Watson*, the Nebraska Supreme Court stated that a garnishment in aid of execution issued before judgment is void rather than merely irregular. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00009973PUB&utm_source=chatgpt.com))\n\nThis does not eliminate Nebraska’s separate prejudgment attachment statutes for nonwage property. It means the ordinary postjudgment route examined here cannot be used before judgment. Nebraska expressly prohibits prejudgment garnishment of wages; prejudgment attachment of bank property has its own predicates and remains outside this pass. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010&utm_source=chatgpt.com))\n\nAn unsecured debt, collection notice, debt-buyer purchase, settlement proposal, arbitration demand, or debt-relief enrollment does not itself authorize a bank hold.\n\n## B2. Filing court and affidavit\n\nThe creditor, its agent, or attorney files the affidavit in the clerk’s office of the court where the judgment was entered. The affidavit identifies:\n\n- the judgment;\n- the principal amount asserted due;\n- accrued interest;\n- recoverable costs;\n- the debtor’s last-known address;\n- the bank or other garnishee; and\n- the creditor’s good-faith belief that the garnishee holds debtor property or owes the debtor credits.\n\nThe current CC 3:6 form is an operational form for this filing. It does not prove the balance, creditor identity, assignment, or enforceability merely because its blanks are completed. ([nebraskajudicial.gov](https://nebraskajudicial.gov/sites/default/files/CC-3-6.pdf?utm_source=chatgpt.com))\n\n## B3. Service on a financial institution\n\nNebraska permits a financial institution to designate a Nebraska location for service of garnishment summonses. Service at the designated location reaches credits and property maintained at the institution’s Nebraska offices and branches. An institution chartered outside Nebraska may designate a Nebraska office, branch, or agent. The Nebraska Department of Banking and Finance maintains the public designation route. ([ndbf.nebraska.gov](https://ndbf.nebraska.gov/industries/garnishment-summons?utm_source=chatgpt.com))\n\nIf service is attempted at a nondesignated branch, the institution can elect to process it or return the statutory statement identifying the correct designated location. Proper service therefore depends on the bank’s legal identity, charter, current designation, and the location or agent actually served. The official NDBF webpage was verified, but a current complete designation roster was not authenticated in this pass; the linked public list contained visibly dated entries and was not treated as a complete current roster. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010&utm_source=chatgpt.com))\n\n## B4. What the bank holds\n\nFor nonwage property, the bank holds property and credits belonging to the judgment debtor that were in its possession or control **at the time of service**. If the only property consists of undisputed credits, the bank ordinarily holds no more than the amount of the judgment, interest, and costs stated in the summons. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056&utm_source=chatgpt.com))\n\nThis is not a continuing bank-account lien. A later deposit is not automatically swept under the same ordinary writ merely because the account remains open. A later or different garnishment order can create a new service-date snapshot, subject again to exemptions and federal account review.\n\n## B5. Interrogatories and bank answer\n\nThe bank answers under oath within ten days after service. The statewide CC 3:8P interrogatories ask whether the garnishee possesses property belonging to the debtor or owes the debtor money or credits other than earnings, and ask the bank to identify the property, amount, and due date. ([nebraskajudicial.gov](https://nebraskajudicial.gov/sites/default/files/CC-3-8P.pdf?utm_source=chatgpt.com))\n\nThe answer is not conclusive against every other claimant. The debtor or a third party can plead exemption, nonownership, or nonliability. The creditor can challenge the answer through the statutory garnishee-liability proceeding.\n\n## B6. Notice to the debtor\n\nWithin seven business days after issuance, the creditor must send the debtor by certified mail:\n\n- the summons and order;\n- the interrogatories;\n- the notice to judgment debtor; and\n- the hearing-request form.\n\nThe creditor certifies the mailing date to the court. The statutory hearing period is measured from the debtor’s **receipt** of the notice. A postmark, mailing date, or bank-freeze date cannot simply be substituted for actual receipt without authority. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011&utm_source=chatgpt.com))\n\n## B7. Hearing and claim\n\nThe debtor may request a hearing when:\n\n- the property is exempt;\n- the funds do not belong to the debtor;\n- the bank froze more than the debtor owns;\n- the amount sought is not presently due on the judgment;\n- payments or satisfaction were omitted; or\n- another statutory defect affects the funds being held.\n\nThe request must be filed within three business days after receipt, and the court must grant a hearing within ten days after the request. The hearing addresses the garnishment and exemption—not a full retrial of liability already reduced to judgment. ([nebraskajudicial.gov](https://nebraskajudicial.gov/sites/default/files/CC-3-8-21.pdf?utm_source=chatgpt.com))\n\nA third-party owner can intervene under §25-1030.03. That route is material for joint accounts, fiduciary accounts, representative-payee arrangements, and accounts containing property beneficially owned by another person. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030.03&utm_source=chatgpt.com))\n\n## B8. Transfer requires a court order\n\nThe bank does not pay the creditor merely because the account was frozen or the interrogatories disclose a balance. Section 25-1029 authorizes the court to order delivery or payment into court after considering the answer and claims. The current CC 3:8C.1 is the creditor’s application for an order delivering nonexempt funds. ([nebraskajudicial.gov](https://nebraskajudicial.gov/sites/default/files/CC-3-8C-1.pdf?utm_source=chatgpt.com))\n\nThe court can:\n\n- release all funds as exempt or nondebtor property;\n- release part and transfer part;\n- direct payment into court;\n- require a bond or undertaking in a qualifying case; or\n- adjudicate competing ownership and garnishee-liability issues.\n\n## B9. Bank-answer dispute and bank liability\n\nIf the bank fails to answer, §25-1028 creates a rebuttable presumption that the bank owes the full garnishment claim. The court must still give notice and determine what is actually due; liability is not automatic or irrevocable. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1028&utm_source=chatgpt.com))\n\nIf the creditor claims the bank’s answer is inaccurate or the bank failed to comply, the creditor must apply within 20 days to determine garnishee liability. The creditor bears the burden of proving what the bank owed or held at the moment of service. No timely application generally discharges the bank from that disputed liability. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030&utm_source=chatgpt.com))\n\nThe Nebraska Supreme Court states that a garnishment creditor is subrogated to the debtor’s rights and can recover no more from the garnishee than the debtor could. The bank’s liability is determined at the time of service. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00008782PUB&utm_source=chatgpt.com))\n\n# C. Nebraska exemption matrix for deposit accounts\n\n| Exemption source | Protected property or payment | Deposit-account effect | Conditions and principal exceptions |\n| --- | --- | --- | --- |\n| **§25-1552 personal-property selection** | Personal property selected by Nebraska resident natural person | Nebraska appellate authority permits selection of bank funds | Current adjusted cap $5,970 through 2027; list all property, select property and values; wages use separate statute |\n| **§25-1553 EITC refund** | Full federal or Nebraska earned-income tax-credit refund | Statute expressly protects full refund in money-judgment collection | Must prove source and amount; ordinary tax refund outside EITC not covered by this section |\n| **§48-647 unemployment benefits** | Benefits due and, conditionally, benefits received | Received benefits remain exempt only while not mingled with other funds | Exception for necessaries furnished while unemployed; support and SNAP-overissuance branches |\n| **§48-149 workers’ compensation** | Proceeds and interest from workers’ compensation payments or lump-sum settlements | Broadly protects proceeds, potentially after deposit if identifiable | Child-support and statutory exceptions; actual source/tracing required |\n| **§68-148 general assistance** | County general assistance | Not subject to garnishment or legal process | County may pay provider directly |\n| **§68-1013 aged/blind/disabled or dependent-child assistance** | Listed public assistance | Not subject to garnishment or other legal process | Exact program and payment source must be established |\n| **§25-1563.01 pension/retirement interests** | Qualifying plan or contract interest | Can protect retirement interest; deposited distribution is not categorically resolved | Only to extent reasonably necessary for support; tax qualification and two-year exceptions |\n| **§44-371 insurance and annuity benefits** | Specified annuity, life, accident, and health proceeds or benefits | Can protect qualifying proceeds or values | Beneficiary relationship, $100,000 aggregate branch, recent-contribution and other exceptions |\n| **§25-1558 wages** | Earnings paid or payable by employer | No controlling Nebraska authority located extending wage percentage caps automatically to deposit balances | Deposited wages may use another exemption, including §25-1552 |\n| **Federal Social Security/SSI** | Benefits paid or payable | Retain exemption in bank if traceable; commingling alone does not destroy | Federal statutory exceptions; claimant proves exemption beyond automatic bank amount |\n| **Federal VA benefits** | Covered VA payments before and after receipt | Deposits remain protected while readily available for support and retaining quality of money | Purchased property/permanent investment and statutory exceptions |\n| **Railroad and OPM benefits** | Covered federal retirement or unemployment payments | Underlying statutes protect payments; Part 212 automatically protects qualifying direct deposits | Domestic-relations, tax, or other express federal exceptions |\n\nThe Nebraska personal-property exemption is currently adjusted to $5,970 by Revenue Ruling 2023-1 for calendar years 2023 through 2027. ([revenue.nebraska.gov](https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf?utm_source=chatgpt.com))\n\n## C1. General personal-property selection: $5,970\n\nSection 25-1552 provides a resident natural person an exemption in personal property, excluding wages. The statutory base is periodically adjusted; the current amount is $5,970. The debtor must identify all personal property, select the property claimed, and supply values. If challenged, the court determines valuation and available cap. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552&utm_source=chatgpt.com))\n\nIn *ARL Credit Services, Inc. v. Piper*, the Nebraska Court of Appeals held that the §25-1552 exemption applies in a bank-account garnishment. The court rejected the creditor’s argument that the exemption was limited to a sheriff’s physical execution. The opinion is a final published appellate decision reproduced through a public legal-opinion host rather than the Nebraska court PDF repository. ([law.justia.com](https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html?utm_source=chatgpt.com))\n\nThe $5,970 figure is:\n\n- per qualifying resident natural person;\n- an aggregate personal-property selection, not $5,970 per bank or account;\n- reduced by other personal property selected under that exemption;\n- not automatically applied by the bank; and\n- subject to proof and court determination.\n\n## C2. Deposited wages\n\nNebraska’s wage-garnishment percentage protection covers compensation paid or payable by an employer to an employee. No controlling Nebraska statute or appellate decision located in this pass states that 75% or 85% of all traceable payroll deposits remains automatically exempt after payment into a bank account. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1558&utm_source=chatgpt.com))\n\nA federal Eighth Circuit Bankruptcy Appellate Panel opinion discussing the CCPA and other states’ cases describes the predominant federal interpretation as ending the CCPA payroll protection after the debtor gains control of the earnings. That is not a controlling Nebraska Supreme Court bank-garnishment holding and is retained only as a limited federal comparison. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/99/06/986070P.pdf?utm_source=chatgpt.com))\n\nThe bounded Nebraska result is therefore:\n\nPlain text\n```\nWages still owed by employer:\n    §25-1558 wage formula applies\n\nWages already deposited:\n    no automatic §25-1558 percentage carryover verified\n    other exemptions may apply\n    §25-1552 selection may be available\n```\n\n## C3. Earned-income tax-credit refunds\n\nThe full amount of a federal or Nebraska earned-income tax-credit refund is expressly exempt in bankruptcy and collection of a money judgment. A bank statement identifying only a tax-refund deposit may not reveal what portion is EITC; the return, refund calculation, or agency record can be necessary. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1553&utm_source=chatgpt.com))\n\n## C4. Unemployment benefits\n\nNebraska protects unemployment benefits due or payable from levy, execution, attachment, and other debt collection. Benefits already received remain exempt **so long as they are not mingled** with the recipient’s other funds. The statute contains an exception for debts incurred for necessaries furnished to the recipient or family while unemployed and separate child-support and SNAP-overissuance provisions. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=48-647&utm_source=chatgpt.com))\n\nThis is materially different from Social Security tracing under *Schaefer Shapiro*: Nebraska’s unemployment statute expressly conditions postreceipt protection on noncommingling.\n\n## C5. Workers’ compensation\n\nNo proceeds or interest from qualifying workers’ compensation payments or lump-sum settlements are subject to attachment or garnishment for ordinary debts, subject to specified child-support and statutory exceptions. The statute’s express reference to “proceeds” supports protection beyond the right to receive, but an account claimant still must identify and trace the proceeds. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=48-149&utm_source=chatgpt.com))\n\n## C6. Public assistance\n\nCounty general assistance and listed assistance to the aged, blind, disabled, or dependent children are protected from garnishment and legal process. Actual program identity and payment source matter; not every government payment is one of these assistance categories. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=68-148&utm_source=chatgpt.com))\n\n## C7. Retirement-plan interests\n\nNebraska protects a qualifying pension, stock-bonus, profit-sharing, IRA, or similar plan interest only to the extent reasonably necessary for the support of the debtor and dependents, and subject to tax-qualification and two-year anti-abuse conditions. The statute protects the plan interest; it does not establish that every withdrawn distribution placed in an ordinary checking account remains exempt indefinitely. Federal ERISA anti-alienation and plan-administration questions remain separate. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1563.01&utm_source=chatgpt.com))\n\n## C8. Insurance and annuity proceeds\n\nNebraska protects specified annuity values and benefits, life-insurance death benefits payable to a qualifying beneficiary, and accident or health insurance benefits. The statute contains material exceptions, including an aggregate $100,000 branch for certain values, a three-year recent-contribution exception, relationship requirements, and serious-crime provisions. No blanket statement that all insurance deposits are exempt is supportable without the contract, beneficiary, source, and timing facts. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=44-371&utm_source=chatgpt.com))\n\n# D. Federal automatic bank-account review under 31 C.F.R. Part 212\n\n## D1. Covered benefits and payment method\n\nPart 212 applies to specially encoded **direct deposits** of:\n\n- Social Security;\n- Supplemental Security Income;\n- VA benefits;\n- Railroad Retirement;\n- Railroad Unemployment and Sickness;\n- Civil Service Retirement System benefits; and\n- Federal Employees Retirement System benefits.\n\nIt does not automatically protect a paper benefit check merely because the customer later deposits it. It also does not automatically cover ordinary wages, state unemployment benefits, tax refunds, private pensions, or every government payment. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\n## D2. Initial federal-benefits notice check\n\nNo later than two business days after receiving the garnishment order and sufficient information to identify the account holder, the financial institution first determines whether the order contains a **Notice of Right to Garnish Federal Benefits** issued by the United States or a state child-support enforcement agency. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\nIf that notice is included, the bank does not perform the ordinary Part 212 protected-amount review and follows the otherwise applicable garnishment law. This exception is principally relevant to specified federal debts and child support. An ordinary private consumer judgment normally does not carry that federal-benefits notice.\n\n## D3. Protected-amount formula\n\nFor each account:\n\nPlain text\n```\nB = account balance when account review begins\n\nD = total covered federal benefit direct deposits\n    posted during the two-month lookback period\n\nProtected amount P = lesser of B and D\n```\n\nThe bank must immediately provide the account holder full and customary access to P. No exemption form or court hearing is required for that automatic amount. The regulation declares the protected amount conclusively exempt from the garnishment order. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\n## D4. Uniform review rules\n\nFor automatic review, the bank must:\n\n- review each account separately;\n- disregard the source or character of other deposits;\n- disregard commingling;\n- disregard the presence of a co-owner;\n- aggregate covered federal deposits from more than one protected program;\n- disregard the nature of the underlying debt except for the notice exception; and\n- avoid tracing transfers between the customer’s separate accounts.\n\n([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\nA transfer from Account A, which received an SSA direct deposit, into Account B is not automatically traced by the bank under Part 212. The account holder may still assert the underlying exemption in court with tracing evidence.\n\n## D5. Excess funds\n\nFunds above the automatic protected amount can be frozen under otherwise applicable law. That does not establish that the excess is substantively nonexempt. The excess can include:\n\n- older federal benefits outside the two-month lookback;\n- a benefit check deposited manually;\n- protected funds transferred from another account;\n- Nebraska-exempt funds;\n- a nondebtor joint owner’s contributions; or\n- funds within the §25-1552 selection.\n\nThe bank’s automatic calculation and the court’s ultimate exemption determination answer different questions. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\n## D6. Bank notice\n\nThe bank sends the Part 212 notice within three business days after account review when:\n\n- a covered benefit was directly deposited during the lookback period;\n- the account balance was positive and a protected amount was established; and\n- the account contained funds above the protected amount.\n\nThe notice explains the protected amount, the amount frozen, any garnishment fee, and the right to claim other exemptions. In a fiduciary or representative arrangement, the notice can be sent to the fiduciary administering the account. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\nIf the whole balance is automatically protected and nothing is frozen, the regulation does not require the same excess-funds notice.\n\n## D7. One review per order\n\nThe bank performs one account review for a given garnishment order. Repeated delivery of the same order does not require a second review. A new or different order requires a new review. The same order does not create a continuing freeze on later benefit payments. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\n## D8. Garnishment fee\n\nA bank may not charge a garnishment fee against the protected amount. During the first five business days after review, a fee can be collected only from deposited funds that are not federal benefit payments, and only up to the amount of those nonbenefit funds. The regulation does not itself create the bank’s entitlement to a fee; the fee must have another lawful source, such as an enforceable account agreement or applicable law. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\nNebraska §25-1026 separately allows the garnishee’s answer filing fee to be taxed as a court cost. That court cost is not the same as debiting a private bank-processing fee from an account. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026&utm_source=chatgpt.com))\n\n## D9. Safe harbor and records\n\nA financial institution acting in good faith and in compliance with Part 212 receives the regulation’s safe-harbor protection. Banks must retain account-review records for two years. Federal banking regulators enforce the rule. The safe harbor does not authorize the bank to disregard Nebraska ownership or exemption orders governing funds above the automatically protected amount. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\n# E. Underlying federal exemptions and tracing\n\n## E1. Social Security and SSI\n\n42 U.S.C. §407 protects Social Security money paid or payable from execution, levy, attachment, garnishment, and other legal process. SSI incorporates that protection through 42 U.S.C. §1383(d)(1). Another federal law modifies §407 only through an express reference. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t42/s407/?utm_source=chatgpt.com))\n\nIn *Philpott v. Essex County Welfare Board*, the Supreme Court held that retroactive Social Security disability benefits remained exempt after deposit into a bank account. The Court treated the statutory phrase “moneys paid or payable” as covering the deposited benefits. The actual opinion is publicly reproduced by Justia rather than cited here from an official PDF. ([supreme.justia.com](https://supreme.justia.com/cases/federal/us/409/413/?utm_source=chatgpt.com))\n\n## E2. Nebraska commingling and tracing rule\n\nIn *Schaefer Shapiro LLP v. Ball*, the Nebraska Supreme Court held:\n\n- Social Security funds on deposit are generally exempt;\n- commingling with nonexempt funds does not destroy the exemption if the exempt source remains reasonably traceable; and\n- the claimant asserting the exemption bears the burden of proof.\n\nThe court affirmed a factual finding based largely on testimony that the remaining balance consisted of Social Security funds, even though nonexempt real-estate-sale proceeds had previously passed through the same account. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB&utm_source=chatgpt.com))\n\nThe court did not select one mandatory tracing formula. Thus:\n\nPlain text\n```\nPermitted evidence may include:\n    agency benefit records\n    ACH descriptors\n    bank statements\n    opening and closing balances\n    deposit chronology\n    withdrawal chronology\n    account-owner testimony\n    evidence of other funds entering or leaving\n\nNot established:\n    one mandatory FIFO formula\n    one mandatory lowest-intermediate-balance formula\n    automatic exemption based only on oral assertion\n```\n\n## E3. VA benefits\n\n38 U.S.C. §5301 generally protects VA benefits due or payable before and after receipt, subject to express exceptions. It excludes property purchased with those payments from the exemption. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t38/s5301/?utm_source=chatgpt.com))\n\nIn *Porter v. Aetna Casualty & Surety Co.*, the Supreme Court held that VA benefits deposited into savings accounts remained exempt while readily available for the beneficiary’s support, retaining the quality of money and not being converted into permanent investments. The public source is a reproduction of the actual Supreme Court opinion. ([supreme.justia.com](https://supreme.justia.com/cases/federal/us/370/159/?utm_source=chatgpt.com))\n\n## E4. Railroad benefits\n\nRailroad Retirement annuities and supplemental annuities are generally protected from garnishment and legal process, subject to tax and domestic-relations exceptions. Railroad unemployment and sickness benefits likewise carry a federal anti-garnishment protection, subject to their express federal exceptions. ([govinfo.gov](https://www.govinfo.gov/link/uscode/45/231m?utm_source=chatgpt.com))\n\n## E5. Federal civil-service retirement\n\nCSRS and FERS payments are protected from execution, levy, attachment, and garnishment except as federal law expressly permits. Those statutory protections support Part 212’s automatic treatment of qualifying OPM direct deposits. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-120/t5/s8346/?utm_source=chatgpt.com))\n\n## E6. Automatic review versus underlying exemption\n\nThe relationship is:\n\nPlain text\n```\nPart 212 automatic amount:\n    bank-calculated\n    immediate access\n    no court claim needed\n    limited to covered encoded direct deposits\n    limited to two-month lookback and current balance\n\nUnderlying federal exemption:\n    can protect older or differently delivered benefits\n    can survive commingling when traceable\n    must be asserted and proved when outside automatic amount\n    remains subject to express statutory exceptions\n```\n\n*Schaefer Shapiro* expressly rejected the argument that amounts above the automatic two-month figure necessarily become garnishable; the regulation governs bank review, while the underlying exemption remains available. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB&utm_source=chatgpt.com))\n\n# F. Joint accounts, payees, fiduciaries, and account ownership\n\n## F1. Nebraska ownership rule\n\nDuring the lifetimes of all parties, a Nebraska multiple-party account belongs to the parties in proportion to their net contributions unless clear and convincing evidence demonstrates a different intent. For married parties, equal ownership is presumed absent proof to the contrary. A payable-on-death beneficiary has no ownership during the original party’s lifetime solely from being named as beneficiary. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=30-2722&utm_source=chatgpt.com))\n\nRelevant evidence can include:\n\n- source of each deposit;\n- payroll or benefit recipient;\n- withdrawals and expenditures;\n- account-opening documents;\n- agreements between account holders;\n- tax reporting;\n- testimony about intended ownership; and\n- whether one party merely acted as a convenience signer or fiduciary.\n\n## F2. Garnishment effect\n\nThe creditor reaches only the debtor’s beneficial interest. Nebraska’s general garnishment rule says the creditor can recover only to the same extent the debtor could recover from the bank. A joint title is evidence of account rights but is not conclusive proof that every dollar beneficially belongs to the judgment debtor. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00008782PUB&utm_source=chatgpt.com))\n\nThe nondebtor owner may intervene under §25-1030.03. A court can release the nondebtor’s share and transfer only the debtor’s nonexempt share.\n\n## F3. Federal automatic review and co-owners\n\nFor Part 212’s automatic bank review, the bank establishes the protected amount without reducing it because a co-owner is present. Ownership of funds above the automatic amount remains a state-law court question. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com))\n\n## F4. Representative payee and fiduciary accounts\n\nPart 212 can require notice to a fiduciary administering an account, but it does not settle beneficial ownership or compliance with separate representative-payee duties. The court must determine whether the garnished property belongs to the judgment debtor, the beneficiary, the fiduciary, or another owner. No blanket rule that all representative-payee or trust accounts are immune—or reachable—was established in this pass.\n\n## F5. Setoff distinction\n\nA bank’s contractual or statutory setoff against its own customer is not the same process as third-party garnishment. Nebraska’s multiple-party-account statute limits a bank’s setoff to the debtor party’s beneficial share, absent another contractual allocation. Full bank-setoff law, deposit agreements, cross-collateralization, and federal benefit restrictions on setoff remain outside this pass. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=30-2733&utm_source=chatgpt.com))\n\n# G. Notice, burden, hearing, release, and appeal boundaries\n\n| Issue | Rule established in this pass | Burden or missing fact |\n| --- | --- | --- |\n| **Exemption claim** | Debtor may request hearing after receipt of notice | Receipt date and timely filing required |\n| **Federal automatic amount** | No debtor claim needed | Bank must identify encoded direct deposits |\n| **Excess federal benefits** | Can be claimed under underlying statute | Claimant proves source and tracing |\n| **§25-1552 property exemption** | Can reach bank funds | Debtor lists property, selects funds, proves residency and available cap |\n| **Joint-owner claim** | Third party may intervene | Ownership contributions and intent must be proved |\n| **Bank answer** | Under oath within ten days | Valid service and bank identity required |\n| **Creditor challenge** | Must be filed within 20 days | Creditor proves bank liability at service |\n| **Transfer** | Requires court order | Creditor proves funds are debtor-owned and nonexempt |\n| **Release** | Court can quash or release exempt/nondebtor funds | No automatic release from private request alone |\n| **Appeal** | A final order adjudicating all interests in specific garnished property can be appealable | Exact order, finality, notice, and stay rules required |\n| **Stay** | No generic exemption claim, complaint, or appeal automatically releases or transfers funds | Court stay or controlling order required |\n\nThe Nebraska Supreme Court treats garnishment as a special postjudgment legal proceeding. A final order deciding all interests in specific garnished property can affect a substantial right and be appealable. Full appeal deadlines and supersedeas procedures remain outside this pass. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00008782PUB&utm_source=chatgpt.com))\n\n# H. Official form and instruction inventory\n\n| Form or resource | Full literal URL | Version and pages read | Purpose | Limit |\n| --- | --- | --- | --- | --- |\n| **CC 3:6 — Affidavit and Praecipe for Summons in Garnishment** | https://nebraskajudicial.gov/sites/default/files/CC-3-6.pdf | Rev. 03/2022; 3 pages; printed p.1/PDF index 0 inspected | Sworn postjudgment application | Includes wage classifications irrelevant to a bank-only calculation; does not prove judgment balance |\n| **CC 3:8P — Garnishment Interrogatories** | https://nebraskajudicial.gov/sites/default/files/CC-3-8P.pdf | Rev. 01/2025; 3 pages; nonwage portion printed p.3/PDF index 2 inspected | Bank identifies debtor property, money, and credits | Answer is subject to exemption and ownership claims |\n| **CC 3:8B — Notice to Judgment Debtor** | https://nebraskajudicial.gov/sites/default/files/CC-3-8B.pdf | Rev. 10/2020; 2 pages; printed p.1/PDF index 0 inspected | Advises debtor of exemptions and hearing | Operational summary; Part 212 and current case law control if form language is narrower |\n| **CC 3:8N — Request for Hearing on Garnishment** | https://nebraskajudicial.gov/sites/default/files/CC-3-8N.pdf | Forms page lists Rev. 08/2026; retrieved visual PDF displayed Rev. 03/2022 | Requests exemption/amount hearing and personal-property selection | Public version metadata and retrieved PDF revision were inconsistent; statute controls |\n| **CC 3:8C.1 — Application to Deliver Nonexempt Funds** | https://nebraskajudicial.gov/sites/default/files/CC-3-8C-1.pdf | Rev. 05/2019; printed p.1/PDF index 0 inspected | Creditor asks court to order transfer | Application is not the transfer order |\n| **CC 3:8F — Release of Garnishee** | https://nebraskajudicial.gov/sites/default/files/CC-3-8F.pdf | Rev. 05/2015 | Creditor releases garnishee | Does not itself prove judgment satisfaction |\n| **CC 3:8.20 — Garnishment Packet, Plaintiff/Creditor** | https://nebraskajudicial.gov/sites/default/files/CC-3-8-20.pdf | NEW 06/2026; 7 pages; bank-funds workflow read | Current self-help workflow | Guidance only; statutes and orders control |\n| **CC 3:8.21 — Garnishment Packet, Defendant/Debtor** | https://nebraskajudicial.gov/sites/default/files/CC-3-8-21.pdf | Rev. 08/2026; 7 pages; bank-freeze/hearing pages read | Current debtor guidance | Not a substitute for legal proof or court order |\n| **NDBF Garnishment Summons page** | https://ndbf.nebraska.gov/industries/garnishment-summons | Current page checked 10/26/2026 | Official bank-designation route | Complete current roster not authenticated |\n| **Revenue Ruling 2023-1** | https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf | Dated 09/19/2023; 2 pages; printed p.1/PDF index 0 inspected | Publishes 2023–2027 adjusted exemption amounts | Does not decide any person’s eligibility or property selection |\n\nThe Nebraska Judicial Branch forms page identifies CC 3:8N as revised August 2026, while the PDF image returned during this pass displayed March 2022. That version discrepancy is preserved rather than silently resolved. ([nebraskajudicial.gov](https://nebraskajudicial.gov/forms?utm_source=chatgpt.com))\n\n# I. Material controlling decisions\n\n| Decision | Facts and posture | Holding used | Limit |\n| --- | --- | --- | --- |\n| ***Cattle National Bank & Trust Co. v. Watson*, 293 Neb. 943 (2016)** | Garnishment in aid of execution issued before final judgment | Such garnishment is void; execution without supporting judgment is void | Does not decide valid statutory prejudgment attachment |\n| ***ARL Credit Services, Inc. v. Piper*, 15 Neb. App. 811 (2007)** | Debtor claimed §25-1552 exemption against bank-account garnishment | General personal-property exemption can be asserted in garnishment of bank funds | Historical dollar amount superseded by current adjustment |\n| ***Schaefer Shapiro LLP v. Ball*, 305 Neb. 669 (2020)** | Social Security deposits commingled with nonexempt real-estate-sale proceeds | Exempt funds remain exempt if reasonably traceable; claimant bears burden | Did not adopt one tracing formula; fact finding was based on sparse evidence and credibility |\n| ***Florence Lake Investments v. Berg*, 312 Neb. 183 (2022)** | Postjudgment garnishment and garnishee-liability dispute involving retirement-plan property | Bank or garnishee liability measured at service; creditor rights rise no higher than debtor rights; certain garnishment orders are appealable | ERISA and retirement-plan issues remain separate |\n| ***Philpott v. Essex County Welfare Board*, 409 U.S. 413 (1973)** | State attempted to reach deposited retroactive Social Security disability benefits | §407 protects deposited Social Security benefits | Did not establish Part 212’s later automatic-review mechanics |\n| ***Porter v. Aetna Casualty & Surety Co.*, 370 U.S. 159 (1962)** | Creditor attached deposited VA disability benefits | Benefits remained exempt while available for support and retaining qualities of money | Permanent investments and purchased property treated differently |\n\nThe Nebraska opinions were read from official court PDFs except *ARL*, which was read from a public reproduction of the actual published opinion. The Supreme Court opinions were read from public reproductions of the actual opinions. No complete commercial citator or unpublished-order search was performed.\n\n# J. Master account-source and exemption matrix\n\n| Account source or fact | Automatic bank protection | Court-claim protection | Evidence needed | Principal risk or uncertainty |\n| --- | --- | --- | --- | --- |\n| Ordinary cash deposit | No | Possible §25-1552 selection | Account statement, residency, property list | Selection cap may already be used by other property |\n| Deposited wages | No Part 212 protection; no verified automatic wage percentage | Possible §25-1552 or another source exemption | Payroll records and account history | Wage cap does not automatically carry over |\n| SSA/SSI encoded direct deposit | Yes, two-month formula | Broader §407 exemption if traceable | ACH records, SSA records, statements | Older/excess funds require proof |\n| SSA/SSI paper check deposit | No automatic Part 212 amount | §407 can protect if source traced | Check image, deposit record, agency record | Bank may initially freeze |\n| VA encoded direct deposit | Yes | Broader §5301 protection if qualifying | VA records and statements | Purchased property/permanent investment exception |\n| Railroad/OPM encoded direct deposit | Yes | Underlying federal exemption | Agency records and statements | Domestic-relations or other federal exceptions |\n| Federal benefits transferred from another account | No automatic transfer tracing | Possible underlying exemption | Both accounts’ statements and transfer records | Part 212 does not trace between accounts |\n| State unemployment deposit | No | Protected only under §48-647 conditions | Benefit records and noncommingling proof | Commingling expressly threatens state exemption |\n| Workers’ compensation proceeds | No | Broad state proceeds exemption | Award/payment record and tracing | Support exceptions |\n| EITC refund | No | Full statutory exemption | Tax return/refund allocation | Must isolate EITC portion |\n| Retirement distribution | No unless covered OPM/RRB direct deposit | Possible state/federal plan exemption | Plan type, qualification, support need, distribution path | Postdistribution treatment unresolved |\n| Joint account | Part 212 ignores co-owner for automatic amount | Ownership divided under Nebraska law | Contribution and intent evidence | Account title alone not conclusive |\n| Fiduciary/representative-payee account | Possible if covered direct deposit | Ownership and benefit law determine | Appointment, account title, benefit records | Fiduciary duties and beneficial ownership held |\n| Account with ordinary funds and federal benefits | Automatic Part 212 amount unaffected by commingling | Additional traced benefits and state exemptions possible | Full statement chronology | Claimant bears tracing burden |\n\n# K. Bounded hypothetical workflows\n\nAll numbers below are hypothetical. They demonstrate arithmetic and procedure only. They do not establish an enforceable judgment, account ownership, creditor standing, lawful bank fee, or entitlement to transfer.\n\n## Example 1 — ordinary unprotected account balance\n\n**Assumptions**\n\n- Valid Nebraska judgment and garnishment service.\n- Summons states judgment, interest, and costs totaling **$3,200**.\n- Bank owes the debtor an undisputed **$4,000** checking-account credit.\n- No federal benefits, joint owner, or exemption claim.\n- No contractual bank fee is considered.\n\nPlain text\n```\nAccount balance at service                   $4,000\nAmount stated in summons                     $3,200\nMaximum immediate statutory hold             $3,200\nBalance not held under this writ               $800\n```\n\nThe bank holds $3,200 and answers. It does not transfer the $3,200 to the creditor until the court orders delivery of nonexempt funds.\n\n## Example 2 — Nebraska personal-property selection\n\n**Assumptions**\n\n- Nebraska-resident natural person.\n- Ordinary deposit balance: **$8,000**.\n- No other property is selected under §25-1552.\n- Current adjusted cap: **$5,970**.\n- Court accepts the valuation and claim.\n\nPlain text\n```\nOrdinary deposit balance                     $8,000\nAvailable §25-1552 selection                -$5,970\nPotentially nonexempt remainder              $2,030\n```\n\nIf the debtor had already selected $2,000 of other personal property:\n\nPlain text\n```\nRemaining bank-fund selection:\n$5,970 − $2,000 = $3,970\n\nPotentially nonexempt bank balance:\n$8,000 − $3,970 = $4,030\n```\n\nThe arithmetic does not decide ownership, another exemption, or the actual judgment amount.\n\n## Example 3 — covered federal direct deposits\n\n**Assumptions**\n\n- Two monthly Social Security direct deposits of **$1,800** each occurred in the lookback period.\n- Account balance at review: **$5,000**.\n- Ordinary consumer garnishment without the federal-benefits notice exception.\n\nPlain text\n```\nCovered deposits in lookback:\n$1,800 + $1,800 = $3,600\n\nCurrent balance:\n$5,000\n\nAutomatic protected amount:\nlesser of $3,600 and $5,000 = $3,600\n\nExcess potentially frozen:\n$5,000 − $3,600 = $1,400\n```\n\nThe $1,400 is not automatically adjudged nonexempt. It may include older traceable Social Security or another exempt source.\n\n## Example 4 — balance below covered deposits\n\n**Assumptions**\n\n- Covered direct deposits in lookback: **$3,600**.\n- Account balance at review after withdrawals: **$2,250**.\n\nPlain text\n```\nProtected amount:\nlesser of $3,600 and $2,250 = $2,250\n\nAutomatically frozen amount:\n$0\n```\n\nThe bank must give full customary access to the entire $2,250.\n\n## Example 5 — paper check versus direct deposit\n\n### Direct deposit\n\nPlain text\n```\nSSA direct deposit in lookback                $1,800\nAccount balance                               $1,800\nAutomatic Part 212 protection                 $1,800\n```\n\n### Paper check deposited by customer\n\nPlain text\n```\nSSA paper check deposited                     $1,800\nAutomatic Part 212 direct-deposit protection      $0\nPossible underlying §407 exemption            up to $1,800,\n                                               if proved and traced\n```\n\nThe paper-check funds can be substantively exempt even though the bank cannot identify them through the automatic encoded-direct-deposit process.\n\n## Example 6 — commingled wages and federal benefits\n\n**Assumptions**\n\n- Covered federal direct deposits in lookback: **$3,000**.\n- Payroll deposits: **$2,000**.\n- Current balance: **$4,200**.\n- No transfer between accounts.\n\nPlain text\n```\nAutomatic protected amount:\nlesser of $3,000 and $4,200 = $3,000\n\nPotential excess hold:\n$4,200 − $3,000 = $1,200\n```\n\nCommingling does not reduce the automatic $3,000. The $1,200 is not automatically entitled to a wage-percentage exemption after deposit. The debtor may assert the §25-1552 selection or prove that some excess consists of older traceable federal benefits.\n\n## Example 7 — federal benefits above the automatic amount\n\n**Assumptions**\n\n- Account balance: **$10,000**.\n- Covered direct deposits in the two-month lookback: **$3,600**.\n- Bank automatically protects $3,600.\n- Statements and benefit records are offered to show the remaining $6,400 also consists of older Social Security funds.\n- No permanent investment conversion.\n\nPlain text\n```\nAutomatic Part 212 amount                     $3,600\nExcess initially subject to state hold        $6,400\nPotential additional §407 claim               up to $6,400\nTotal potentially exempt                      up to $10,000\n```\n\nThe additional $6,400 is not automatically released. Under *Schaefer Shapiro*, the claimant must prove reasonable traceability; the court determines the amount.\n\n## Example 8 — joint account with nondebtor contributions\n\n**Assumptions**\n\n- Joint nonspousal account balance: **$6,000**.\n- Debtor contributed **$1,000**.\n- Nondebtor owner contributed **$5,000**.\n- No evidence of a gift or different ownership intent.\n- Court accepts the contribution evidence.\n\nPlain text\n```\nDebtor beneficial share                       $1,000\nNondebtor beneficial share                    $5,000\nMaximum account property attributable\nto debtor before exemptions                   $1,000\n```\n\nIf the account holders were married and no contribution evidence rebutted the statutory presumption:\n\nPlain text\n```\nPresumed debtor share:\n$6,000 ÷ 2 = $3,000\n```\n\nThe actual result depends on account documentation, contribution records, intent, and intervention evidence.\n\n## Example 9 — transfer between accounts\n\n**Assumptions**\n\n- SSA direct deposit of **$1,800** enters Account A.\n- Customer transfers the $1,800 to Account B.\n- Garnishment is served on Account B.\n- Account B has no separately encoded protected-benefit direct deposit in its lookback.\n\nPlain text\n```\nPart 212 automatic protected amount in B      $0\nPotential underlying traced §407 amount       $1,800\n```\n\nPart 212 does not make the bank trace the transfer. The customer can still assert the statutory exemption in court using both accounts’ records.\n\n## Example 10 — special order carrying federal-benefits notice\n\n**Assumptions**\n\n- Garnishment order includes the federal “Notice of Right to Garnish Federal Benefits.”\n- The order is issued by the United States or a qualifying state child-support enforcement agency.\n\n**Result**\n\nPlain text\n```\nPart 212 ordinary account review              not performed\nState/federal special collection route        governs\nOrdinary consumer-judgment assumptions        do not apply\n```\n\nAn ordinary private consumer creditor cannot create this exception merely by adding similar wording to its papers.\n\n## Example 11 — debtor discovers the freeze after bank review\n\nDefine:\n\nPlain text\n```\nI = court issuance\nB = bank service and account review\nN = bank's federal notice, if required\nM = creditor's certified mailing\nR = debtor's actual receipt of Nebraska notice\nH = debtor's hearing-request filing\n```\n\nRequired relative sequence:\n\nPlain text\n```\nCreditor mailing:\nM no later than 7 business days after I\n\nDebtor hearing request:\nH no later than 3 business days after R\n\nCourt hearing:\nwithin 10 days after H\n```\n\nThe bank’s Part 212 notice date N does not replace R. If actual receipt is unknown, the exact court-hearing-request deadline is held rather than calculated.\n\n## Example 12 — successive garnishment orders\n\n**First order**\n\nPlain text\n```\nBalance at first service                      $4,000\nProtected amount                              $2,000\nPotential first-order hold                    $2,000\n```\n\nLater benefit deposits are not continuously frozen under that same order.\n\n**Second, new order**\n\nPlain text\n```\nNew service date                              later event\nNew account balance                           newly measured\nNew Part 212 review                           required\nNew protected amount                          recalculated\n```\n\nRepeated delivery of the same order does not require another Part 212 review, but a genuinely new or different order does.\n\n## Example 13 — bank garnishment fee formula\n\nLet:\n\nPlain text\n```\nF = an otherwise lawful bank garnishment fee\nN = nonbenefit funds deposited within\n    five business days after account review\nP = protected amount\n```\n\nPart 212 permits, at most:\n\nPlain text\n```\nFee debited during the five-day period\n    = lesser of F and N\n\nFee debited from P\n    = $0\n```\n\nIf:\n\nPlain text\n```\nF > N\n```\n\nthe regulation does not permit the difference to be taken from the protected amount. This example does not establish that the account agreement authorizes F in the first place.\n\n## Example 14 — unemployment benefits commingled\n\n**Assumptions**\n\n- Nebraska unemployment benefits deposited: **$2,000**.\n- Ordinary nonexempt funds later deposited: **$500**.\n- Funds are mingled in one undifferentiated account.\n- No federal Part 212 benefit is involved.\n\nSection 48-647 protects received unemployment benefits only so long as they are not mingled. Unlike the Social Security rule in *Schaefer Shapiro*, the Nebraska unemployment statute supplies an express nonmingling condition. The full **$2,500** account therefore cannot be labeled exempt unemployment money on these assumptions without another exemption.\n\n# L. Source register\n\n| Source ID | Title, issuer, full literal URL, and exact pinpoint | Version/status and access | Read bounds and limitations |\n| --- | --- | --- | --- |\n| **S_NE-P20-S001** | **Neb. Rev. Stat. §25-1056 — Garnishment in aid of execution**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056; subsections (1) and financial-institution service provisions. | Official codification page freshly read 2026-10-26 PT/UTC. Nebraska laws search page stated last update May 27, 2026; no later session-law universe independently audited. | Judgment prerequisite, affidavit, service, hold-at-service, amount cap, and incorporation of §§25-1011 and 25-1026–1031.01. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056&utm_source=chatgpt.com)) |\n| **S_NE-P20-S002** | **Neb. Rev. Stat. §25-1010 — Garnishment summons and financial-institution designations**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010; subsections (1)–(3). | Official current page freshly read 2026-10-26. | Prejudgment attachment distinction, wage prohibition, bank-designation and statewide service mechanics. Full prejudgment attachment analysis excluded. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010&utm_source=chatgpt.com)) |\n| **S_NE-P20-S003** | **Neb. Rev. Stat. §25-1011 — Debtor notice and hearing**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011; subsections (1)–(5). | Official current page freshly read 2026-10-26. | Certified mailing, notice content, three-business-day receipt trigger, hearing within ten days. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011&utm_source=chatgpt.com)) |\n| **S_NE-P20-S004** | **Neb. Rev. Stat. §§25-1026–25-1031.01**, Nebraska Legislature. Full URLs: https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026; ...=25-1027; ...=25-1028; ...=25-1029; ...=25-1030; ...=25-1030.01; ...=25-1030.02; ...=25-1030.03; ...=25-1031; ...=25-1031.01. | Complete operative sections freshly read 2026-10-26. | Bank answer, payment into court, failure to answer, transfer order, liability application, intervention, trial, discharge, and finality. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026&utm_source=chatgpt.com)) |\n| **S_NE-P20-S005** | **Neb. Rev. Stat. §25-1552 — General personal-property exemption**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552; complete section. | Official current page freshly read 2026-10-26. | Resident natural-person requirement, property list and selection, wage exclusion, valuation. Dollar amount adjusted separately. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552&utm_source=chatgpt.com)) |\n| **S_NE-P20-S006** | **Revenue Ruling 2023-1**, Nebraska Department of Revenue. https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf; printed p.1/PDF index 0. | Official PDF dated September 19, 2023; freshly read and visually inspected 2026-10-26. | Establishes §25-1552 adjusted amount of $5,970 for 2023–2027. ([revenue.nebraska.gov](https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf?utm_source=chatgpt.com)) |\n| **S_NE-P20-S007** | ***ARL Credit Services, Inc. v. Piper*, 15 Neb. App. 811 (2007)**. https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html; actual published-opinion HTML reproduction, no PDF index. | Final Nebraska Court of Appeals opinion; reproduction freshly read 2026-10-26. | Holds §25-1552 exemption available in bank garnishment; historical dollar amount not used. ([law.justia.com](https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html?utm_source=chatgpt.com)) |\n| **S_NE-P20-S008** | ***Schaefer Shapiro LLP v. Ball*, 305 Neb. 669 (2020)**. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB; printed p.673/PDF index 4 and printed p.675/index 6. | Final published Nebraska Supreme Court opinion; freshly read and screenshots inspected 2026-10-26. | Social Security deposits, commingling, reasonable tracing, claimant burden, Part 212 distinction. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB&utm_source=chatgpt.com)) |\n| **S_NE-P20-S009** | **Nebraska Multiple-Party Accounts Act**, §§30-2722 and 30-2733. https://nebraskalegislature.gov/laws/statutes.php?statute=30-2722; https://nebraskalegislature.gov/laws/statutes.php?statute=30-2733. | Official current pages freshly read 2026-10-26. | Lifetime beneficial ownership, net contributions, spousal presumption, and bank-setoff boundary. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=30-2722&utm_source=chatgpt.com)) |\n| **S_NE-P20-S010** | **31 C.F.R. Part 212 — Garnishment of Accounts Containing Federal Benefit Payments**, eCFR. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212; §§212.1–212.12. | Current eCFR page checked 2026-10-26; eCFR is authoritative but unofficial. Source rule originated in 2011 and was materially amended in 2013. | Complete automatic account-review, protected-amount, notice, fee, record, and safe-harbor framework. ([ecfr.gov](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com)) |\n| **S_NE-P20-S011** | **42 U.S.C. §§407 and 1383(d)**, OLRC. https://uscode.house.gov/us/usc/119-124/t42/s407/; https://uscode.house.gov/us/usc/119-124/t42/s1383/. | Official U.S. Code pages displaying laws through Public Law 119-124, October 15, 2026; freshly read 2026-10-26. | Social Security and SSI anti-garnishment protections and express-reference rule. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t42/s407/?utm_source=chatgpt.com)) |\n| **S_NE-P20-S012** | ***Philpott v. Essex County Welfare Board*, 409 U.S. 413 (1973)**. https://supreme.justia.com/cases/federal/us/409/413/; actual Supreme Court opinion reproduction, reported pp.415–417, no PDF index. | Final unanimous U.S. Supreme Court opinion; reproduction freshly read 2026-10-26. | Deposited Social Security disability benefits remain protected. ([supreme.justia.com](https://supreme.justia.com/cases/federal/us/409/413/?utm_source=chatgpt.com)) |\n| **S_NE-P20-S013** | **38 U.S.C. §5301**, OLRC. https://uscode.house.gov/us/usc/119-124/t38/s5301/; subsection (a) and relevant exceptions. | Official page through Public Law 119-124, October 15, 2026; freshly read 2026-10-26. | VA benefits before/after receipt; purchased-property and express exceptions. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t38/s5301/?utm_source=chatgpt.com)) |\n| **S_NE-P20-S014** | ***Porter v. Aetna Casualty & Surety Co.*, 370 U.S. 159 (1962)**. https://supreme.justia.com/cases/federal/us/370/159/; actual Supreme Court opinion reproduction, reported pp.159–162, no PDF index. | Final U.S. Supreme Court opinion; reproduction freshly read 2026-10-26. | Deposited VA benefits remain exempt while retaining qualities of money and availability for support. ([supreme.justia.com](https://supreme.justia.com/cases/federal/us/370/159/?utm_source=chatgpt.com)) |\n| **S_NE-P20-S015** | **Railroad benefit exemptions**, 45 U.S.C. §§231m and 352(e). https://www.govinfo.gov/link/uscode/45/231m; https://uscode.house.gov/us/usc/119-120/t45/s352/. | §231m GovInfo PDF printed p.83/PDF index 0 visually inspected; §352 official OLRC page displays laws through Public Law 119-120, October 7, 2026. Fresh 2026-10-26. | Railroad retirement and unemployment protections; tax/domestic-relations exceptions. ([govinfo.gov](https://www.govinfo.gov/link/uscode/45/231m?utm_source=chatgpt.com)) |\n| **S_NE-P20-S016** | **Federal civil-service retirement exemptions**, 5 U.S.C. §§8346 and 8470. https://uscode.house.gov/us/usc/119-120/t5/s8346/; https://uscode.house.gov/us/usc/119-120/t5/s8470/. | Official OLRC pages displaying laws through Public Law 119-120, October 7, 2026; freshly read 2026-10-26. | CSRS and FERS anti-garnishment provisions and federal exceptions. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-120/t5/s8346/?utm_source=chatgpt.com)) |\n| **S_NE-P20-S017** | **Nebraska source-specific exemptions**: https://nebraskalegislature.gov/laws/statutes.php?statute=25-1553; ...=48-149; ...=48-647; ...=68-148; ...=68-1013; ...=25-1563.01; ...=44-371. | Official codification pages freshly read 2026-10-26. | EITC, workers’ compensation, unemployment, public assistance, retirement interests, and insurance/annuity benefits. No full sector dossier. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=25-1553&utm_source=chatgpt.com)) |\n| **S_NE-P20-S018** | ***Cattle National Bank & Trust Co. v. Watson*, 293 Neb. 943 (2016)**. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00009973PUB; printed p.944/PDF index 1. | Final published Nebraska Supreme Court opinion; freshly read and screenshot inspected 2026-10-26. | Garnishment in aid of execution before judgment is void. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00009973PUB&utm_source=chatgpt.com)) |\n| **S_NE-P20-S019** | ***Florence Lake Investments, LLC v. Berg*, 312 Neb. 183 (2022)**. https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00008782PUB; printed p.185/PDF index 2. | Final published Nebraska Supreme Court opinion; freshly read and screenshot inspected 2026-10-26. | Liability measured at service; creditor no greater rights than debtor; final-order boundary. ERISA merits excluded. ([nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00008782PUB&utm_source=chatgpt.com)) |\n| **S_NE-P20-S020** | **Nebraska Judicial Branch garnishment forms and packets**. Direct URLs listed in Part H. | Current public forms page and PDFs checked 2026-10-26; revisions range 2015–2026. Key PDF pages visually inspected. | Operational forms; statutes and controlling cases govern. CC 3:8N metadata/PDF revision discrepancy preserved. ([nebraskajudicial.gov](https://nebraskajudicial.gov/forms?utm_source=chatgpt.com)) |\n| **S_NE-P20-S021** | **NDBF Garnishment Summons page**. https://ndbf.nebraska.gov/industries/garnishment-summons. | Current official page checked 2026-10-26. | Official designation route. Complete current bank-designation roster not authenticated. ([ndbf.nebraska.gov](https://ndbf.nebraska.gov/industries/garnishment-summons?utm_source=chatgpt.com)) |\n| **S_NE-P20-S022** | **Bounded wage-deposit comparison**, *In re Pruss*, Eighth Circuit Bankruptcy Appellate Panel. Official PDF https://ecf.ca8.uscourts.gov/opndir/99/06/986070P.pdf; discussion of federal CCPA and deposited wages. | Published bankruptcy appellate authority; freshly read 2026-10-26. | Persuasive federal comparison only; not a Nebraska Supreme Court bank-garnishment holding. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/99/06/986070P.pdf?utm_source=chatgpt.com)) |\n\n# M. Claim register\n\n| Claim ID | Precise claim | Source and pinpoint | Actor/stage, conditions, consequence, confidence |\n| --- | --- | --- | --- |\n| **S_NE-P20-C001** | Ordinary bank garnishment in aid of execution requires a court judgment. | S001 §25-1056; S018 p.944/index 1 | Creditor/court; prewrit; **high** |\n| **S_NE-P20-C002** | Judgment alone does not freeze an account; affidavit, summons, and valid service are required. | S001–S003 | Creditor/bank; **high** |\n| **S_NE-P20-C003** | Bank holds debtor property and credits in its possession or control at service. | S001 §25-1056(1) | Bank; snapshot at service; **high** |\n| **S_NE-P20-C004** | For undisputed bank credits, hold is ordinarily limited to judgment, interest, and costs stated in summons. | S001 §25-1056(1) | Bank; **high** |\n| **S_NE-P20-C005** | Ordinary nonwage garnishment is not a continuing lien on later deposits. | S001 text; S010 one-review rules | Bank; **high bounded conclusion** |\n| **S_NE-P20-C006** | Financial-institution designation can give statewide Nebraska branch reach. | S002 §25-1010 | Bank service; **high** |\n| **S_NE-P20-C007** | Bank answers interrogatories under oath within ten days after service. | S001; S004 §25-1026 | Bank; **high** |\n| **S_NE-P20-C008** | Creditor sends certified debtor notice within seven business days after issuance. | S003 §25-1011(2) | Creditor; **high** |\n| **S_NE-P20-C009** | Debtor hearing request is due within three business days after receipt, not mailing. | S003 §25-1011(4) | Debtor; actual receipt needed; **high** |\n| **S_NE-P20-C010** | Court must grant hearing within ten days after request. | S003 §25-1011(5) | Court; **high** |\n| **S_NE-P20-C011** | Transfer of bank funds requires further court order. | S004 §25-1029; S020 CC 3:8C.1 | Creditor/court/bank; **high** |\n| **S_NE-P20-C012** | Bank’s failure to answer creates rebuttable presumption, not automatic final liability. | S004 §25-1028 | Bank/court; **high** |\n| **S_NE-P20-C013** | Creditor must challenge bank answer within 20 days or bank is discharged from disputed garnishee liability. | S004 §25-1030 | Creditor; **high** |\n| **S_NE-P20-C014** | Creditor bears burden in garnishee-liability trial and has no greater rights than debtor. | S004 §25-1030.02; S019 | Creditor/court; **high** |\n| **S_NE-P20-C015** | Debtor or third-party owner may plead exemption or nonownership and intervene. | S004 §25-1030.03 | Debtor/joint owner; **high** |\n| **S_NE-P20-C016** | Nebraska resident natural person may select personal property under §25-1552. | S005 | Debtor/exemption; **high** |\n| **S_NE-P20-C017** | Current adjusted §25-1552 amount is $5,970 for 2023–2027. | S006 p.1/index 0 | Units USD; **high** |\n| **S_NE-P20-C018** | §25-1552 can be asserted against bank-account funds. | S007 | Court hearing; **high** |\n| **S_NE-P20-C019** | §25-1552 is aggregate personal-property selection, not automatic per-account protection. | S005–S007 | Debtor; **high** |\n| **S_NE-P20-C020** | No automatic Nebraska wage-percentage protection for deposited wages was verified. | S005, §25-1558; S022 | Deposit account; **bounded hold** |\n| **S_NE-P20-C021** | Full federal or state EITC refund is exempt in money-judgment collection. | S017, §25-1553 | Debtor; source proof needed; **high** |\n| **S_NE-P20-C022** | Received unemployment benefits remain exempt only while not mingled, subject to statutory exceptions. | S017, §48-647 | Debtor; **high** |\n| **S_NE-P20-C023** | Workers’ compensation proceeds and interest are exempt from ordinary debts, subject to support exceptions. | S017, §48-149 | Debtor; **high** |\n| **S_NE-P20-C024** | General and specified public assistance are protected from garnishment. | S017, §§68-148, 68-1013 | Program-specific; **high** |\n| **S_NE-P20-C025** | Qualifying retirement interests are protected only to extent reasonably necessary and subject to statutory exceptions. | S017, §25-1563.01 | Debtor/plan; **high** |\n| **S_NE-P20-C026** | Insurance and annuity exemptions require exact benefit, beneficiary, amount, and timing predicates. | S017, §44-371 | Debtor/beneficiary; **high** |\n| **S_NE-P20-C027** | Part 212 covers specially encoded direct deposits from listed federal benefit agencies. | S010 §§212.2–212.3 | Bank review; **high** |\n| **S_NE-P20-C028** | Bank ordinarily completes Part 212 review within two business days after order and account identification information. | S010 §212.4 | Bank; **high** |\n| **S_NE-P20-C029** | Federal-benefits notice in qualifying U.S. or support order eliminates ordinary account review. | S010 §212.4 | Special-order exception; **high** |\n| **S_NE-P20-C030** | Protected amount equals lesser of covered lookback deposits and current balance. | S010 §§212.3, 212.6 | Formula; **high** |\n| **S_NE-P20-C031** | Automatic protected amount is conclusively exempt and immediately accessible. | S010 §§212.6–212.7 | Bank/account holder; **high** |\n| **S_NE-P20-C032** | Part 212 review disregards commingling, co-owner status, and debt nature. | S010 §§212.5–212.6 | Bank; **high** |\n| **S_NE-P20-C033** | Part 212 does not trace transfers between separate accounts. | S010 §212.5 | Bank; **high** |\n| **S_NE-P20-C034** | Excess over automatic amount can be frozen but may remain substantively exempt. | S010 §§212.7–212.9; S008 | Bank/court; **high** |\n| **S_NE-P20-C035** | Bank notice is due within three business days after review when regulatory conditions exist. | S010 §212.7 | Bank; **high** |\n| **S_NE-P20-C036** | One review is required per new or different order; repeated same order does not create repeated review or continuing freeze. | S010 §212.6 | Bank; **high** |\n| **S_NE-P20-C037** | Garnishment fee cannot be charged to protected amount. | S010 §212.6 | Bank; **high** |\n| **S_NE-P20-C038** | Within five business days, fee debit is limited to nonbenefit funds and cannot exceed those funds. | S010 §212.6 | Bank; **high** |\n| **S_NE-P20-C039** | Part 212 preserves broader underlying exemptions and more protective consistent state law. | S010 §§212.8–212.9 | Account holder/court; **high** |\n| **S_NE-P20-C040** | Social Security and SSI are protected by §§407 and 1383(d). | S011 | Account holder; **high** |\n| **S_NE-P20-C041** | Deposited Social Security funds remain exempt when reasonably traceable despite commingling. | S008 p.673/index 4; S012 | Account holder; **high** |\n| **S_NE-P20-C042** | Claimant asserting exemption bears tracing burden. | S008 p.673/index 4 | Hearing; **high** |\n| **S_NE-P20-C043** | Nebraska has not prescribed one exclusive tracing formula in the controlling commingling decision. | S008 | Court; **high bounded conclusion** |\n| **S_NE-P20-C044** | Paper benefit checks are outside Part 212 automatic encoded-direct-deposit protection but may retain statutory exemption. | S010; S011–S014 | Bank/court; **high** |\n| **S_NE-P20-C045** | VA deposits retain exemption while available for support and not converted into permanent investments. | S013–S014 | Account holder; **high** |\n| **S_NE-P20-C046** | Railroad and federal civil-service benefits have underlying federal anti-garnishment protection. | S015–S016 | Account holder; **high** |\n| **S_NE-P20-C047** | Joint account ownership follows net contributions absent different intent; spouses presumed equal absent proof. | S009 §30-2722 | Joint owners; **high** |\n| **S_NE-P20-C048** | Joint account title alone does not establish that the debtor owns the entire balance. | S009; S014/S019 principles | Court; **high** |\n| **S_NE-P20-C049** | Part 212 automatic amount is not reduced because of a co-owner. | S010 | Bank; **high** |\n| **S_NE-P20-C050** | Bank setoff is legally distinct from third-party garnishment. | S009 §30-2733 | Bank/account; **high boundary** |\n| **S_NE-P20-C051** | Part 212 good-faith compliance provides bank safe harbor and requires two-year records. | S010 §§212.10–212.11 | Bank; **high** |\n| **S_NE-P20-C052** | No general Nebraska statutory bank-processing fee against the debtor’s account was verified. | S004 §25-1026; bounded search | **Partial/negative finding** |\n| **S_NE-P20-C053** | Bank-answer filing fee can be taxed as court costs. | S004 §25-1026 | Garnishee/court; **high** |\n| **S_NE-P20-C054** | A final order deciding all interests in specific garnished property can be appealable. | S019 | Appeal boundary; **high** |\n| **S_NE-P20-C055** | No exemption claim, administrative complaint, or appeal automatically releases funds absent controlling court order. | S003–S004, S019 | Procedure; **high bounded conclusion** |\n\n# N. Granular coverage and remaining gaps\n\n| Assigned issue | Status | Claim IDs | Exact missing authority or evidence |\n| --- | --- | --- | --- |\n| Postjudgment prerequisite | **Answered** | C001–C002 | Actual judgment and current enforceability |\n| Rendering court and affidavit | **Answered** | C002–C004 | Actual court, balance, creditor authority |\n| Bank service designation | **Answered generally** | C006 | Current bank-specific designation and service return |\n| Current full NDBF roster | **Not authenticated** | — | Current designation file or bank-specific public record |\n| Bank hold at service | **Answered** | C003–C005 | Actual balance and ownership |\n| Bank answer | **Answered** | C007 | Actual interrogatories and answer |\n| Creditor debtor notice | **Answered** | C008 | Mailing certificate and receipt |\n| Debtor hearing deadline | **Answered relatively** | C009–C010 | Actual receipt and court-closure dates |\n| Court transfer order | **Answered** | C011 | Actual answer, application, and order |\n| Bank failure to answer | **Answered** | C012 | Notice and evidence of actual liability |\n| Creditor challenge to answer | **Answered** | C013–C014 | Filing date and evidence |\n| Third-party ownership | **Answered procedurally** | C015, C047–C049 | Contribution and intent records |\n| Nebraska general cash exemption | **Answered** | C016–C019 | Residency, property list, prior selections |\n| Current $5,970 amount | **Answered** | C017 | Future 2028 adjustment not predicted |\n| Deposited wages | **Unresolved beyond no automatic rule** | C020 | Controlling Nebraska deposit-wage authority |\n| EITC | **Answered** | C021 | Refund allocation |\n| Unemployment | **Answered with nonmingling condition** | C022 | Account history and exception facts |\n| Workers’ compensation | **Answered as boundary** | C023 | Source, tracing, and support exception |\n| Public assistance | **Answered as boundary** | C024 | Exact program/payment |\n| Retirement/IRA | **Partial** | C025 | Plan qualification, support need, distribution status |\n| Insurance/annuity | **Partial** | C026 | Contract, beneficiary, amount, timing |\n| Part 212 covered benefits | **Answered** | C027 | Actual ACH coding and program |\n| Part 212 review timing | **Answered** | C028 | Order and account-identification receipt |\n| No-review notice exception | **Answered** | C029 | Actual qualifying notice/order |\n| Protected amount | **Answered** | C030–C031 | Account balance and deposits |\n| Commingling/co-owner automatic treatment | **Answered** | C032, C049 | None for automatic calculation |\n| Transfer between accounts | **Answered as no automatic tracing** | C033 | Full transfer records for court claim |\n| Excess amount | **Answered as potentially claimable** | C034, C039 | Underlying exemption evidence |\n| Bank federal notice | **Answered** | C035 | Actual conditions and notice date |\n| Successive orders | **Answered** | C036 | Whether order is genuinely new/different |\n| Bank garnishment fee | **Answered federally; state entitlement held** | C037–C038, C052 | Account agreement and state-law validity |\n| Social Security/SSI | **Answered** | C040–C044 | Benefit and tracing records |\n| VA | **Answered generally** | C045 | Benefit type and investment/use facts |\n| RRB/RR unemployment/OPM | **Answered generally** | C046 | Exact benefit and statutory exception |\n| Tracing method | **No exclusive method established** | C041–C043 | Court-selected evidentiary approach |\n| Paper check | **Answered as no automatic protection** | C044 | Check and deposit record |\n| Joint account | **Answered generally** | C047–C049 | Contributions, marriage, intent, account contract |\n| Representative payee/fiduciary | **Partial** | C049 | Appointment, beneficial ownership, agency rules |\n| Setoff | **Excluded except boundary** | C050 | Deposit agreement and setoff law |\n| Bank safe harbor | **Answered** | C051 | Actual compliance records |\n| Wrongful-garnishment damages | **Unresolved/excluded** | — | Cause of action, fault, causation, and remedies |\n| Appealability | **Answered only as final-order boundary** | C054 | Actual order and appellate procedure |\n| Automatic stay/release | **Answered as no general automatic effect** | C055 | Court order or supersedeas |\n| Prejudgment bank attachment | **Excluded** | — | Separate attachment pass |\n| Wage garnishment | **Excluded** | — | PASS-19 review |\n| Physical assets/execution | **Excluded** | — | Separate execution pass |\n| Homestead | **Excluded** | — | Separate exemption pass |\n| Child support/tax/student loan/federal agency | **Excluded** | — | Specialized collection passes |\n| Bankruptcy | **Excluded** | — | Automatic stay and exemption pass |\n| Underlying standing, amount, fees | **Excluded** | — | P8–P14 review and merits work |\n| Judgment interest/dormancy/satisfaction | **Excluded** | — | PASS-18 review |\n| Arbitration | **Excluded** | — | PASS-15/PASS-17 review |\n| Credit reporting | **Excluded** | — | PASS-10 review |\n| Local/tribal/foreign-country law | **Excluded** | — | Separate jurisdictional work |\n| Named account or person | **Not performed** | — | Private records prohibited and unavailable |\n| Nebraska/component/parent/A066 acceptance | **Not granted** | — | Remaining passes and coordinator review |\n\n# O. Researcher self-check\n\n## Freshly read in PASS-20\n\n- Nebraska postjudgment garnishment statutes:§§25-1056;25-1010;25-1011;25-1026 through 25-1031.01.\n- Nebraska exemptions and ownership provisions:§§25-1552;25-1553;25-1558;25-1563.01;30-2722;30-2733;44-371;48-149;48-647;68-148; and68-1013.\n- Nebraska Revenue Ruling 2023-1 and its current 2023–2027 amounts.\n- Complete material provisions of 31 C.F.R. Part 212.\n- Federal benefit statutes:42 U.S.C. §§407 and 1383(d);38 U.S.C. §5301;45 U.S.C. §§231m and 352(e);5 U.S.C. §§8346 and 8470.\n- Actual relevant opinion passages from:*Cattle National Bank & Trust Co. v. Watson*;*Schaefer Shapiro LLP v. Ball*;*Florence Lake Investments v. Berg*;*ARL Credit Services v. Piper*;*Philpott v. Essex County Welfare Board*; and*Porter v. Aetna Casualty & Surety Co.*\n- Current principal Nebraska garnishment forms and the 2026 creditor/debtor packets.\n- The official NDBF bank-designation webpage.\n\n## Arithmetic self-check\n\nPlain text\n```\nExample 1:\n$4,000 − $3,200 = $800\n\nExample 2:\n$8,000 − $5,970 = $2,030\n$5,970 − $2,000 = $3,970\n$8,000 − $3,970 = $4,030\n\nExample 3:\n$1,800 + $1,800 = $3,600\n$5,000 − $3,600 = $1,400\n\nExample 4:\nmin($3,600, $2,250) = $2,250\n\nExample 6:\n$4,200 − $3,000 = $1,200\n\nExample 8:\n$1,000 + $5,000 = $6,000\n$6,000 ÷ 2 = $3,000\n```\n\nThe examples establish only arithmetic under stated assumptions. They do not establish a valid judgment, creditor authority, bank liability, ownership, tracing, or an actual exemption award.\n\n## Bounded unresolved searches\n\nNo controlling current Nebraska authority was located that conclusively establishes:\n\n- an automatic wage-percentage exemption for wages after deposit;\n- one mandatory tracing methodology for commingled exempt funds;\n- a universal automatic release process for funds transferred between accounts;\n- a complete current burden allocation for every joint-account ownership dispute;\n- a general Nebraska debtor damages action for every wrongful bank garnishment;\n- one universal Nebraska bank-processing-fee authorization;\n- or automatic statewide propagation of a garnishment release among separate banks or accounts.\n\nThese are bounded gaps, not claims that no unpublished, local, federal, or later authority exists.\n\n## Source and form limitations\n\n- The Nebraska Legislature’s laws-search page stated that the online laws were last updated May 27, 2026. The individual official pages were checked on October 26, 2026, but this was not a complete post-May 2026 session-law audit.\n- The Nebraska Judicial Branch forms page listed CC 3:8N as revised August 2026, while the retrieved PDF image displayed March 2022. The statute, not the inconsistent form metadata, controls.\n- The NDBF webpage identifying the designated-service route was current, but the complete institution-specific designation list was not authenticated as current.\n- *ARL*, *Philpott*, and *Porter* were read from public reproductions of the actual opinions rather than official court-hosted PDFs.\n- No complete commercial citator, unpublished trial-order archive, or legislative-history review was performed.\n\n## Not performed\n\n- No actual debtor, creditor, debt buyer, collector, bank, branch, account, joint owner, representative payee, fiduciary, judgment, summons, service return, benefit record, bank statement, ACH record, payment ledger, title record, or docket was accessed.\n- No account freeze, transfer, withdrawal, deposit movement, filing, contact, records request, bank inquiry, clerk inquiry, provider search, or private-data lookup was performed.\n- No instructions were supplied for moving, hiding, converting, or shielding assets.\n- No complete:wage-garnishment;bank-setoff;prejudgment attachment;physical execution;homestead;retirement-plan;insurance;child-support;tax;federal agency;student-loan;bankruptcy;probate;secured-debt;medical;government-debt;credit-reporting;local;tribal; orforeign-country dossier\nwas completed.\n- No Deep Research, Work, Codex research generation, API, purchase, account change, website action, publication, browser control, other Chat, CAPTCHA bypass, security workaround, or local-file save was used.\n\n**Focused disposition:** Nebraska bank garnishment is a one-time, service-date seizure process requiring an existing judgment, sworn application, bank answer, debtor notice, and court order before transfer. The bank must separately perform the federal direct-deposit review when Part 212 applies. That automatic review protects a minimum amount without a claim, but it does not define the maximum substantive exemption. Nebraska’s $5,970 personal-property selection, federal benefit statutes, source-specific state exemptions, joint-account ownership, and traceable commingled benefits can protect additional funds. Those protections depend on actual account ownership, source, delivery method, timing, tracing evidence, and a timely court claim.\n\nEND S_NE PASS-20.\n\n","tables":[{"headers":["Stage","Actor","Trigger or required document","Principal duty","Consequence and limit"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Stage","Actor","Trigger or required document","Principal duty","Consequence and limit"],["Judgment prerequisite","Judgment creditor","Enforceable judgment entered by a court of record","Identify judgment and current amount due","No ordinary postjudgment bank garnishment without the judgment"],["Application","Creditor, agent, or attorney","Sworn affidavit and praecipe filed in the court that entered judgment","State judgment, amount due, interest, costs, debtor address, and good-faith belief bank holds debtor property or owes debtor credits","Affidavit does not itself freeze an account"],["Issuance","Clerk","Garnishment affidavit accepted","Issue summons and written interrogatories","Summons states the amount claimed"],["Bank service","Creditor/process server","Valid civil-summons service at a statutorily valid bank location","Serve summons, interrogatories, debtor notice, and hearing form","Service—not judgment entry—creates the bank’s immediate hold duties"],["Bank hold","Bank/garnishee","Valid service","Hold debtor property or credits under bank control at service, ordinarily no more than stated judgment, interest, and costs where the only property is undisputed credits","Nonwage garnishment is a snapshot at service, not a continuing lien on future deposits"],["Federal benefit review","Bank","Garnishment order received against an account holder","Review for protected direct-deposit benefits unless the order contains the special federal-benefits notice exception","Bank establishes an automatic protected amount before freezing excess funds"],["Bank answer","Bank","Service","Answer interrogatories under oath within ten days","Identifies property, credits, ownership, and amount held"],["Creditor’s debtor notice","Creditor","Issuance of garnishment","Send debtor copies by certified mail within seven business days; certify mailing","Distinct from bank’s Part 212 notice"],["Debtor hearing","Debtor/account owner","Receipt of Nebraska notice","File request within three business days after receipt","Court must grant hearing within ten days after request"],["Third-party ownership claim","Joint owner, payee, fiduciary, or other claimant","Claim that funds do not belong to judgment debtor","Intervene and plead ownership or nonliability","Court determines ownership and exempt status"],["Transfer request","Creditor","Bank answer showing potentially nonexempt funds","Apply for order delivering nonexempt funds","Bank does not transfer merely because it answered"],["Court disposition","Court","Answer, objections, hearing evidence, and transfer application","Order release, quash, partial transfer, or full transfer of nonexempt property","Court order controls disposition"],["Bank-answer challenge","Creditor","Dissatisfaction with answer or alleged noncompliance","Apply within 20 days to determine garnishee liability","No timely application generally discharges bank from that contested liability"],["Final garnishee adjudication","Court","Liability proceeding completed","Determine what bank owed or held at service","Judgment creditor’s rights rise no higher than debtor’s rights against bank"],["Release","Creditor/court","Exemption sustained, no debtor property, judgment satisfied, or order quashed","Release bank from hold","No automatic release from private negotiation alone"]]},{"headers":["Exemption source","Protected property or payment","Deposit-account effect","Conditions and principal exceptions"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Exemption source","Protected property or payment","Deposit-account effect","Conditions and principal exceptions"],["§25-1552 personal-property selection","Personal property selected by Nebraska resident natural person","Nebraska appellate authority permits selection of bank funds","Current adjusted cap $5,970 through 2027; list all property, select property and values; wages use separate statute"],["§25-1553 EITC refund","Full federal or Nebraska earned-income tax-credit refund","Statute expressly protects full refund in money-judgment collection","Must prove source and amount; ordinary tax refund outside EITC not covered by this section"],["§48-647 unemployment benefits","Benefits due and, conditionally, benefits received","Received benefits remain exempt only while not mingled with other funds","Exception for necessaries furnished while unemployed; support and SNAP-overissuance branches"],["§48-149 workers’ compensation","Proceeds and interest from workers’ compensation payments or lump-sum settlements","Broadly protects proceeds, potentially after deposit if identifiable","Child-support and statutory exceptions; actual source/tracing required"],["§68-148 general assistance","County general assistance","Not subject to garnishment or legal process","County may pay provider directly"],["§68-1013 aged/blind/disabled or dependent-child assistance","Listed public assistance","Not subject to garnishment or other legal process","Exact program and payment source must be established"],["§25-1563.01 pension/retirement interests","Qualifying plan or contract interest","Can protect retirement interest; deposited distribution is not categorically resolved","Only to extent reasonably necessary for support; tax qualification and two-year exceptions"],["§44-371 insurance and annuity benefits","Specified annuity, life, accident, and health proceeds or benefits","Can protect qualifying proceeds or values","Beneficiary relationship, $100,000 aggregate branch, recent-contribution and other exceptions"],["§25-1558 wages","Earnings paid or payable by employer","No controlling Nebraska authority located extending wage percentage caps automatically to deposit balances","Deposited wages may use another exemption, including §25-1552"],["Federal Social Security/SSI","Benefits paid or payable","Retain exemption in bank if traceable; commingling alone does not destroy","Federal statutory exceptions; claimant proves exemption beyond automatic bank amount"],["Federal VA benefits","Covered VA payments before and after receipt","Deposits remain protected while readily available for support and retaining quality of money","Purchased property/permanent investment and statutory exceptions"],["Railroad and OPM benefits","Covered federal retirement or unemployment payments","Underlying statutes protect payments; Part 212 automatically protects qualifying direct deposits","Domestic-relations, tax, or other express federal exceptions"]]},{"headers":["Issue","Rule established in this pass","Burden or missing fact"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Rule established in this pass","Burden or missing fact"],["Exemption claim","Debtor may request hearing after receipt of notice","Receipt date and timely filing required"],["Federal automatic amount","No debtor claim needed","Bank must identify encoded direct deposits"],["Excess federal benefits","Can be claimed under underlying statute","Claimant proves source and tracing"],["§25-1552 property exemption","Can reach bank funds","Debtor lists property, selects funds, proves residency and available cap"],["Joint-owner claim","Third party may intervene","Ownership contributions and intent must be proved"],["Bank answer","Under oath within ten days","Valid service and bank identity required"],["Creditor challenge","Must be filed within 20 days","Creditor proves bank liability at service"],["Transfer","Requires court order","Creditor proves funds are debtor-owned and nonexempt"],["Release","Court can quash or release exempt/nondebtor funds","No automatic release from private request alone"],["Appeal","A final order adjudicating all interests in specific garnished property can be appealable","Exact order, finality, notice, and stay rules required"],["Stay","No generic exemption claim, complaint, or appeal automatically releases or transfers funds","Court stay or controlling order required"]]},{"headers":["Form or resource","Full literal URL","Version and pages read","Purpose","Limit"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Form or resource","Full literal URL","Version and pages read","Purpose","Limit"],["CC 3:6 — Affidavit and Praecipe for Summons in Garnishment","https://nebraskajudicial.gov/sites/default/files/CC-3-6.pdf","Rev. 03/2022; 3 pages; printed p.1/PDF index 0 inspected","Sworn postjudgment application","Includes wage classifications irrelevant to a bank-only calculation; does not prove judgment balance"],["CC 3:8P — Garnishment Interrogatories","https://nebraskajudicial.gov/sites/default/files/CC-3-8P.pdf","Rev. 01/2025; 3 pages; nonwage portion printed p.3/PDF index 2 inspected","Bank identifies debtor property, money, and credits","Answer is subject to exemption and ownership claims"],["CC 3:8B — Notice to Judgment Debtor","https://nebraskajudicial.gov/sites/default/files/CC-3-8B.pdf","Rev. 10/2020; 2 pages; printed p.1/PDF index 0 inspected","Advises debtor of exemptions and hearing","Operational summary; Part 212 and current case law control if form language is narrower"],["CC 3:8N — Request for Hearing on Garnishment","https://nebraskajudicial.gov/sites/default/files/CC-3-8N.pdf","Forms page lists Rev. 08/2026; retrieved visual PDF displayed Rev. 03/2022","Requests exemption/amount hearing and personal-property selection","Public version metadata and retrieved PDF revision were inconsistent; statute controls"],["CC 3:8C.1 — Application to Deliver Nonexempt Funds","https://nebraskajudicial.gov/sites/default/files/CC-3-8C-1.pdf","Rev. 05/2019; printed p.1/PDF index 0 inspected","Creditor asks court to order transfer","Application is not the transfer order"],["CC 3:8F — Release of Garnishee","https://nebraskajudicial.gov/sites/default/files/CC-3-8F.pdf","Rev. 05/2015","Creditor releases garnishee","Does not itself prove judgment satisfaction"],["CC 3:8.20 — Garnishment Packet, Plaintiff/Creditor","https://nebraskajudicial.gov/sites/default/files/CC-3-8-20.pdf","NEW 06/2026; 7 pages; bank-funds workflow read","Current self-help workflow","Guidance only; statutes and orders control"],["CC 3:8.21 — Garnishment Packet, Defendant/Debtor","https://nebraskajudicial.gov/sites/default/files/CC-3-8-21.pdf","Rev. 08/2026; 7 pages; bank-freeze/hearing pages read","Current debtor guidance","Not a substitute for legal proof or court order"],["NDBF Garnishment Summons page","https://ndbf.nebraska.gov/industries/garnishment-summons","Current page checked 10/26/2026","Official bank-designation route","Complete current roster not authenticated"],["Revenue Ruling 2023-1","https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf","Dated 09/19/2023; 2 pages; printed p.1/PDF index 0 inspected","Publishes 2023–2027 adjusted exemption amounts","Does not decide any person’s eligibility or property selection"]]},{"headers":["Decision","Facts and posture","Holding used","Limit"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Decision","Facts and posture","Holding used","Limit"],["Cattle National Bank & Trust Co. v. Watson, 293 Neb. 943 (2016)","Garnishment in aid of execution issued before final judgment","Such garnishment is void; execution without supporting judgment is void","Does not decide valid statutory prejudgment attachment"],["ARL Credit Services, Inc. v. Piper, 15 Neb. App. 811 (2007)","Debtor claimed §25-1552 exemption against bank-account garnishment","General personal-property exemption can be asserted in garnishment of bank funds","Historical dollar amount superseded by current adjustment"],["Schaefer Shapiro LLP v. Ball, 305 Neb. 669 (2020)","Social Security deposits commingled with nonexempt real-estate-sale proceeds","Exempt funds remain exempt if reasonably traceable; claimant bears burden","Did not adopt one tracing formula; fact finding was based on sparse evidence and credibility"],["Florence Lake Investments v. Berg, 312 Neb. 183 (2022)","Postjudgment garnishment and garnishee-liability dispute involving retirement-plan property","Bank or garnishee liability measured at service; creditor rights rise no higher than debtor rights; certain garnishment orders are appealable","ERISA and retirement-plan issues remain separate"],["Philpott v. Essex County Welfare Board, 409 U.S. 413 (1973)","State attempted to reach deposited retroactive Social Security disability benefits","§407 protects deposited Social Security benefits","Did not establish Part 212’s later automatic-review mechanics"],["Porter v. Aetna Casualty & Surety Co., 370 U.S. 159 (1962)","Creditor attached deposited VA disability benefits","Benefits remained exempt while available for support and retaining qualities of money","Permanent investments and purchased property treated differently"]]},{"headers":["Account source or fact","Automatic bank protection","Court-claim protection","Evidence needed","Principal risk or uncertainty"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Account source or fact","Automatic bank protection","Court-claim protection","Evidence needed","Principal risk or uncertainty"],["Ordinary cash deposit","No","Possible §25-1552 selection","Account statement, residency, property list","Selection cap may already be used by other property"],["Deposited wages","No Part 212 protection; no verified automatic wage percentage","Possible §25-1552 or another source exemption","Payroll records and account history","Wage cap does not automatically carry over"],["SSA/SSI encoded direct deposit","Yes, two-month formula","Broader §407 exemption if traceable","ACH records, SSA records, statements","Older/excess funds require proof"],["SSA/SSI paper check deposit","No automatic Part 212 amount","§407 can protect if source traced","Check image, deposit record, agency record","Bank may initially freeze"],["VA encoded direct deposit","Yes","Broader §5301 protection if qualifying","VA records and statements","Purchased property/permanent investment exception"],["Railroad/OPM encoded direct deposit","Yes","Underlying federal exemption","Agency records and statements","Domestic-relations or other federal exceptions"],["Federal benefits transferred from another account","No automatic transfer tracing","Possible underlying exemption","Both accounts’ statements and transfer records","Part 212 does not trace between accounts"],["State unemployment deposit","No","Protected only under §48-647 conditions","Benefit records and noncommingling proof","Commingling expressly threatens state exemption"],["Workers’ compensation proceeds","No","Broad state proceeds exemption","Award/payment record and tracing","Support exceptions"],["EITC refund","No","Full statutory exemption","Tax return/refund allocation","Must isolate EITC portion"],["Retirement distribution","No unless covered OPM/RRB direct deposit","Possible state/federal plan exemption","Plan type, qualification, support need, distribution path","Postdistribution treatment unresolved"],["Joint account","Part 212 ignores co-owner for automatic amount","Ownership divided under Nebraska law","Contribution and intent evidence","Account title alone not conclusive"],["Fiduciary/representative-payee account","Possible if covered direct deposit","Ownership and benefit law determine","Appointment, account title, benefit records","Fiduciary duties and beneficial ownership held"],["Account with ordinary funds and federal benefits","Automatic Part 212 amount unaffected by commingling","Additional traced benefits and state exemptions possible","Full statement chronology","Claimant bears tracing burden"]]},{"headers":["Source ID","Title, issuer, full literal URL, and exact pinpoint","Version/status and access","Read bounds and limitations"],"index":6,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf?utm_source=chatgpt.com","text":"revenue.nebraska.gov"},{"href":"https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html?utm_source=chatgpt.com","text":"law.justia.com"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB&utm_source=chatgpt.com","text":"nebraska.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=30-2722&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://uscode.house.gov/us/usc/119-124/t42/s407/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://supreme.justia.com/cases/federal/us/409/413/?utm_source=chatgpt.com","text":"supreme.justia.com"},{"href":"https://uscode.house.gov/us/usc/119-124/t38/s5301/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://supreme.justia.com/cases/federal/us/370/159/?utm_source=chatgpt.com","text":"supreme.justia.com"},{"href":"https://www.govinfo.gov/link/uscode/45/231m?utm_source=chatgpt.com","text":"govinfo.gov"},{"href":"https://uscode.house.gov/us/usc/119-120/t5/s8346/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1553&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00009973PUB&utm_source=chatgpt.com","text":"nebraska.gov"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00008782PUB&utm_source=chatgpt.com","text":"nebraska.gov"},{"href":"https://nebraskajudicial.gov/forms?utm_source=chatgpt.com","text":"nebraskajudicial.gov"},{"href":"https://ndbf.nebraska.gov/industries/garnishment-summons?utm_source=chatgpt.com","text":"ndbf.nebraska.gov"},{"href":"https://ecf.ca8.uscourts.gov/opndir/99/06/986070P.pdf?utm_source=chatgpt.com","text":"ecf.ca8.uscourts.gov"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf?utm_source=chatgpt.com","text":"revenue.nebraska.gov"}],[{"href":"https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html?utm_source=chatgpt.com","text":"law.justia.com"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB&utm_source=chatgpt.com","text":"nebraska.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=30-2722&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t42/s407/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://supreme.justia.com/cases/federal/us/409/413/?utm_source=chatgpt.com","text":"supreme.justia.com"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t38/s5301/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://supreme.justia.com/cases/federal/us/370/159/?utm_source=chatgpt.com","text":"supreme.justia.com"}],[{"href":"https://www.govinfo.gov/link/uscode/45/231m?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t5/s8346/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-1553&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00009973PUB&utm_source=chatgpt.com","text":"nebraska.gov"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00008782PUB&utm_source=chatgpt.com","text":"nebraska.gov"}],[{"href":"https://nebraskajudicial.gov/forms?utm_source=chatgpt.com","text":"nebraskajudicial.gov"}],[{"href":"https://ndbf.nebraska.gov/industries/garnishment-summons?utm_source=chatgpt.com","text":"ndbf.nebraska.gov"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/99/06/986070P.pdf?utm_source=chatgpt.com","text":"ecf.ca8.uscourts.gov"}]],"rows":[["Source ID","Title, issuer, full literal URL, and exact pinpoint","Version/status and access","Read bounds and limitations"],["S_NE-P20-S001","Neb. Rev. Stat. §25-1056 — Garnishment in aid of execution, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056; subsections (1) and financial-institution service provisions.","Official codification page freshly read 2026-10-26 PT/UTC. Nebraska laws search page stated last update May 27, 2026; no later session-law universe independently audited.","Judgment prerequisite, affidavit, service, hold-at-service, amount cap, and incorporation of §§25-1011 and 25-1026–1031.01. (nebraskalegislature.gov)"],["S_NE-P20-S002","Neb. Rev. Stat. §25-1010 — Garnishment summons and financial-institution designations, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010; subsections (1)–(3).","Official current page freshly read 2026-10-26.","Prejudgment attachment distinction, wage prohibition, bank-designation and statewide service mechanics. Full prejudgment attachment analysis excluded. (nebraskalegislature.gov)"],["S_NE-P20-S003","Neb. Rev. Stat. §25-1011 — Debtor notice and hearing, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011; subsections (1)–(5).","Official current page freshly read 2026-10-26.","Certified mailing, notice content, three-business-day receipt trigger, hearing within ten days. (nebraskalegislature.gov)"],["S_NE-P20-S004","Neb. Rev. Stat. §§25-1026–25-1031.01, Nebraska Legislature. Full URLs: https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026; ...=25-1027; ...=25-1028; ...=25-1029; ...=25-1030; ...=25-1030.01; ...=25-1030.02; ...=25-1030.03; ...=25-1031; ...=25-1031.01.","Complete operative sections freshly read 2026-10-26.","Bank answer, payment into court, failure to answer, transfer order, liability application, intervention, trial, discharge, and finality. (nebraskalegislature.gov)"],["S_NE-P20-S005","Neb. Rev. Stat. §25-1552 — General personal-property exemption, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552; complete section.","Official current page freshly read 2026-10-26.","Resident natural-person requirement, property list and selection, wage exclusion, valuation. Dollar amount adjusted separately. (nebraskalegislature.gov)"],["S_NE-P20-S006","Revenue Ruling 2023-1, Nebraska Department of Revenue. https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf; printed p.1/PDF index 0.","Official PDF dated September 19, 2023; freshly read and visually inspected 2026-10-26.","Establishes §25-1552 adjusted amount of $5,970 for 2023–2027. (revenue.nebraska.gov)"],["S_NE-P20-S007","ARL Credit Services, Inc. v. Piper, 15 Neb. App. 811 (2007). https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html; actual published-opinion HTML reproduction, no PDF index.","Final Nebraska Court of Appeals opinion; reproduction freshly read 2026-10-26.","Holds §25-1552 exemption available in bank garnishment; historical dollar amount not used. (law.justia.com)"],["S_NE-P20-S008","Schaefer Shapiro LLP v. Ball, 305 Neb. 669 (2020). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB; printed p.673/PDF index 4 and printed p.675/index 6.","Final published Nebraska Supreme Court opinion; freshly read and screenshots inspected 2026-10-26.","Social Security deposits, commingling, reasonable tracing, claimant burden, Part 212 distinction. (nebraska.gov)"],["S_NE-P20-S009","Nebraska Multiple-Party Accounts Act, §§30-2722 and 30-2733. https://nebraskalegislature.gov/laws/statutes.php?statute=30-2722; https://nebraskalegislature.gov/laws/statutes.php?statute=30-2733.","Official current pages freshly read 2026-10-26.","Lifetime beneficial ownership, net contributions, spousal presumption, and bank-setoff boundary. (nebraskalegislature.gov)"],["S_NE-P20-S010","31 C.F.R. Part 212 — Garnishment of Accounts Containing Federal Benefit Payments, eCFR. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212; §§212.1–212.12.","Current eCFR page checked 2026-10-26; eCFR is authoritative but unofficial. Source rule originated in 2011 and was materially amended in 2013.","Complete automatic account-review, protected-amount, notice, fee, record, and safe-harbor framework. (ecfr.gov)"],["S_NE-P20-S011","42 U.S.C. §§407 and 1383(d), OLRC. https://uscode.house.gov/us/usc/119-124/t42/s407/; https://uscode.house.gov/us/usc/119-124/t42/s1383/.","Official U.S. Code pages displaying laws through Public Law 119-124, October 15, 2026; freshly read 2026-10-26.","Social Security and SSI anti-garnishment protections and express-reference rule. (uscode.house.gov)"],["S_NE-P20-S012","Philpott v. Essex County Welfare Board, 409 U.S. 413 (1973). https://supreme.justia.com/cases/federal/us/409/413/; actual Supreme Court opinion reproduction, reported pp.415–417, no PDF index.","Final unanimous U.S. Supreme Court opinion; reproduction freshly read 2026-10-26.","Deposited Social Security disability benefits remain protected. (supreme.justia.com)"],["S_NE-P20-S013","38 U.S.C. §5301, OLRC. https://uscode.house.gov/us/usc/119-124/t38/s5301/; subsection (a) and relevant exceptions.","Official page through Public Law 119-124, October 15, 2026; freshly read 2026-10-26.","VA benefits before/after receipt; purchased-property and express exceptions. (uscode.house.gov)"],["S_NE-P20-S014","Porter v. Aetna Casualty & Surety Co., 370 U.S. 159 (1962). https://supreme.justia.com/cases/federal/us/370/159/; actual Supreme Court opinion reproduction, reported pp.159–162, no PDF index.","Final U.S. Supreme Court opinion; reproduction freshly read 2026-10-26.","Deposited VA benefits remain exempt while retaining qualities of money and availability for support. (supreme.justia.com)"],["S_NE-P20-S015","Railroad benefit exemptions, 45 U.S.C. §§231m and 352(e). https://www.govinfo.gov/link/uscode/45/231m; https://uscode.house.gov/us/usc/119-120/t45/s352/.","§231m GovInfo PDF printed p.83/PDF index 0 visually inspected; §352 official OLRC page displays laws through Public Law 119-120, October 7, 2026. Fresh 2026-10-26.","Railroad retirement and unemployment protections; tax/domestic-relations exceptions. (govinfo.gov)"],["S_NE-P20-S016","Federal civil-service retirement exemptions, 5 U.S.C. §§8346 and 8470. https://uscode.house.gov/us/usc/119-120/t5/s8346/; https://uscode.house.gov/us/usc/119-120/t5/s8470/.","Official OLRC pages displaying laws through Public Law 119-120, October 7, 2026; freshly read 2026-10-26.","CSRS and FERS anti-garnishment provisions and federal exceptions. (uscode.house.gov)"],["S_NE-P20-S017","Nebraska source-specific exemptions: https://nebraskalegislature.gov/laws/statutes.php?statute=25-1553; ...=48-149; ...=48-647; ...=68-148; ...=68-1013; ...=25-1563.01; ...=44-371.","Official codification pages freshly read 2026-10-26.","EITC, workers’ compensation, unemployment, public assistance, retirement interests, and insurance/annuity benefits. No full sector dossier. (nebraskalegislature.gov)"],["S_NE-P20-S018","Cattle National Bank & Trust Co. v. Watson, 293 Neb. 943 (2016). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00009973PUB; printed p.944/PDF index 1.","Final published Nebraska Supreme Court opinion; freshly read and screenshot inspected 2026-10-26.","Garnishment in aid of execution before judgment is void. (nebraska.gov)"],["S_NE-P20-S019","Florence Lake Investments, LLC v. Berg, 312 Neb. 183 (2022). https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00008782PUB; printed p.185/PDF index 2.","Final published Nebraska Supreme Court opinion; freshly read and screenshot inspected 2026-10-26.","Liability measured at service; creditor no greater rights than debtor; final-order boundary. ERISA merits excluded. (nebraska.gov)"],["S_NE-P20-S020","Nebraska Judicial Branch garnishment forms and packets. Direct URLs listed in Part H.","Current public forms page and PDFs checked 2026-10-26; revisions range 2015–2026. Key PDF pages visually inspected.","Operational forms; statutes and controlling cases govern. CC 3:8N metadata/PDF revision discrepancy preserved. (nebraskajudicial.gov)"],["S_NE-P20-S021","NDBF Garnishment Summons page. https://ndbf.nebraska.gov/industries/garnishment-summons.","Current official page checked 2026-10-26.","Official designation route. Complete current bank-designation roster not authenticated. (ndbf.nebraska.gov)"],["S_NE-P20-S022","Bounded wage-deposit comparison, In re Pruss, Eighth Circuit Bankruptcy Appellate Panel. Official PDF https://ecf.ca8.uscourts.gov/opndir/99/06/986070P.pdf; discussion of federal CCPA and deposited wages.","Published bankruptcy appellate authority; freshly read 2026-10-26.","Persuasive federal comparison only; not a Nebraska Supreme Court bank-garnishment holding. (ecf.ca8.uscourts.gov)"]]},{"headers":["Claim ID","Precise claim","Source and pinpoint","Actor/stage, conditions, consequence, confidence"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim","Source and pinpoint","Actor/stage, conditions, consequence, confidence"],["S_NE-P20-C001","Ordinary bank garnishment in aid of execution requires a court judgment.","S001 §25-1056; S018 p.944/index 1","Creditor/court; prewrit; high"],["S_NE-P20-C002","Judgment alone does not freeze an account; affidavit, summons, and valid service are required.","S001–S003","Creditor/bank; high"],["S_NE-P20-C003","Bank holds debtor property and credits in its possession or control at service.","S001 §25-1056(1)","Bank; snapshot at service; high"],["S_NE-P20-C004","For undisputed bank credits, hold is ordinarily limited to judgment, interest, and costs stated in summons.","S001 §25-1056(1)","Bank; high"],["S_NE-P20-C005","Ordinary nonwage garnishment is not a continuing lien on later deposits.","S001 text; S010 one-review rules","Bank; high bounded conclusion"],["S_NE-P20-C006","Financial-institution designation can give statewide Nebraska branch reach.","S002 §25-1010","Bank service; high"],["S_NE-P20-C007","Bank answers interrogatories under oath within ten days after service.","S001; S004 §25-1026","Bank; high"],["S_NE-P20-C008","Creditor sends certified debtor notice within seven business days after issuance.","S003 §25-1011(2)","Creditor; high"],["S_NE-P20-C009","Debtor hearing request is due within three business days after receipt, not mailing.","S003 §25-1011(4)","Debtor; actual receipt needed; high"],["S_NE-P20-C010","Court must grant hearing within ten days after request.","S003 §25-1011(5)","Court; high"],["S_NE-P20-C011","Transfer of bank funds requires further court order.","S004 §25-1029; S020 CC 3:8C.1","Creditor/court/bank; high"],["S_NE-P20-C012","Bank’s failure to answer creates rebuttable presumption, not automatic final liability.","S004 §25-1028","Bank/court; high"],["S_NE-P20-C013","Creditor must challenge bank answer within 20 days or bank is discharged from disputed garnishee liability.","S004 §25-1030","Creditor; high"],["S_NE-P20-C014","Creditor bears burden in garnishee-liability trial and has no greater rights than debtor.","S004 §25-1030.02; S019","Creditor/court; high"],["S_NE-P20-C015","Debtor or third-party owner may plead exemption or nonownership and intervene.","S004 §25-1030.03","Debtor/joint owner; high"],["S_NE-P20-C016","Nebraska resident natural person may select personal property under §25-1552.","S005","Debtor/exemption; high"],["S_NE-P20-C017","Current adjusted §25-1552 amount is $5,970 for 2023–2027.","S006 p.1/index 0","Units USD; high"],["S_NE-P20-C018","§25-1552 can be asserted against bank-account funds.","S007","Court hearing; high"],["S_NE-P20-C019","§25-1552 is aggregate personal-property selection, not automatic per-account protection.","S005–S007","Debtor; high"],["S_NE-P20-C020","No automatic Nebraska wage-percentage protection for deposited wages was verified.","S005, §25-1558; S022","Deposit account; bounded hold"],["S_NE-P20-C021","Full federal or state EITC refund is exempt in money-judgment collection.","S017, §25-1553","Debtor; source proof needed; high"],["S_NE-P20-C022","Received unemployment benefits remain exempt only while not mingled, subject to statutory exceptions.","S017, §48-647","Debtor; high"],["S_NE-P20-C023","Workers’ compensation proceeds and interest are exempt from ordinary debts, subject to support exceptions.","S017, §48-149","Debtor; high"],["S_NE-P20-C024","General and specified public assistance are protected from garnishment.","S017, §§68-148, 68-1013","Program-specific; high"],["S_NE-P20-C025","Qualifying retirement interests are protected only to extent reasonably necessary and subject to statutory exceptions.","S017, §25-1563.01","Debtor/plan; high"],["S_NE-P20-C026","Insurance and annuity exemptions require exact benefit, beneficiary, amount, and timing predicates.","S017, §44-371","Debtor/beneficiary; high"],["S_NE-P20-C027","Part 212 covers specially encoded direct deposits from listed federal benefit agencies.","S010 §§212.2–212.3","Bank review; high"],["S_NE-P20-C028","Bank ordinarily completes Part 212 review within two business days after order and account identification information.","S010 §212.4","Bank; high"],["S_NE-P20-C029","Federal-benefits notice in qualifying U.S. or support order eliminates ordinary account review.","S010 §212.4","Special-order exception; high"],["S_NE-P20-C030","Protected amount equals lesser of covered lookback deposits and current balance.","S010 §§212.3, 212.6","Formula; high"],["S_NE-P20-C031","Automatic protected amount is conclusively exempt and immediately accessible.","S010 §§212.6–212.7","Bank/account holder; high"],["S_NE-P20-C032","Part 212 review disregards commingling, co-owner status, and debt nature.","S010 §§212.5–212.6","Bank; high"],["S_NE-P20-C033","Part 212 does not trace transfers between separate accounts.","S010 §212.5","Bank; high"],["S_NE-P20-C034","Excess over automatic amount can be frozen but may remain substantively exempt.","S010 §§212.7–212.9; S008","Bank/court; high"],["S_NE-P20-C035","Bank notice is due within three business days after review when regulatory conditions exist.","S010 §212.7","Bank; high"],["S_NE-P20-C036","One review is required per new or different order; repeated same order does not create repeated review or continuing freeze.","S010 §212.6","Bank; high"],["S_NE-P20-C037","Garnishment fee cannot be charged to protected amount.","S010 §212.6","Bank; high"],["S_NE-P20-C038","Within five business days, fee debit is limited to nonbenefit funds and cannot exceed those funds.","S010 §212.6","Bank; high"],["S_NE-P20-C039","Part 212 preserves broader underlying exemptions and more protective consistent state law.","S010 §§212.8–212.9","Account holder/court; high"],["S_NE-P20-C040","Social Security and SSI are protected by §§407 and 1383(d).","S011","Account holder; high"],["S_NE-P20-C041","Deposited Social Security funds remain exempt when reasonably traceable despite commingling.","S008 p.673/index 4; S012","Account holder; high"],["S_NE-P20-C042","Claimant asserting exemption bears tracing burden.","S008 p.673/index 4","Hearing; high"],["S_NE-P20-C043","Nebraska has not prescribed one exclusive tracing formula in the controlling commingling decision.","S008","Court; high bounded conclusion"],["S_NE-P20-C044","Paper benefit checks are outside Part 212 automatic encoded-direct-deposit protection but may retain statutory exemption.","S010; S011–S014","Bank/court; high"],["S_NE-P20-C045","VA deposits retain exemption while available for support and not converted into permanent investments.","S013–S014","Account holder; high"],["S_NE-P20-C046","Railroad and federal civil-service benefits have underlying federal anti-garnishment protection.","S015–S016","Account holder; high"],["S_NE-P20-C047","Joint account ownership follows net contributions absent different intent; spouses presumed equal absent proof.","S009 §30-2722","Joint owners; high"],["S_NE-P20-C048","Joint account title alone does not establish that the debtor owns the entire balance.","S009; S014/S019 principles","Court; high"],["S_NE-P20-C049","Part 212 automatic amount is not reduced because of a co-owner.","S010","Bank; high"],["S_NE-P20-C050","Bank setoff is legally distinct from third-party garnishment.","S009 §30-2733","Bank/account; high boundary"],["S_NE-P20-C051","Part 212 good-faith compliance provides bank safe harbor and requires two-year records.","S010 §§212.10–212.11","Bank; high"],["S_NE-P20-C052","No general Nebraska statutory bank-processing fee against the debtor’s account was verified.","S004 §25-1026; bounded search","Partial/negative finding"],["S_NE-P20-C053","Bank-answer filing fee can be taxed as court costs.","S004 §25-1026","Garnishee/court; high"],["S_NE-P20-C054","A final order deciding all interests in specific garnished property can be appealable.","S019","Appeal boundary; high"],["S_NE-P20-C055","No exemption claim, administrative complaint, or appeal automatically releases funds absent controlling court order.","S003–S004, S019","Procedure; high bounded conclusion"]]},{"headers":["Assigned issue","Status","Claim IDs","Exact missing authority or evidence"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claim IDs","Exact missing authority or evidence"],["Postjudgment prerequisite","Answered","C001–C002","Actual judgment and current enforceability"],["Rendering court and affidavit","Answered","C002–C004","Actual court, balance, creditor authority"],["Bank service designation","Answered generally","C006","Current bank-specific designation and service return"],["Current full NDBF roster","Not authenticated","—","Current designation file or bank-specific public record"],["Bank hold at service","Answered","C003–C005","Actual balance and ownership"],["Bank answer","Answered","C007","Actual interrogatories and answer"],["Creditor debtor notice","Answered","C008","Mailing certificate and receipt"],["Debtor hearing deadline","Answered relatively","C009–C010","Actual receipt and court-closure dates"],["Court transfer order","Answered","C011","Actual answer, application, and order"],["Bank failure to answer","Answered","C012","Notice and evidence of actual liability"],["Creditor challenge to answer","Answered","C013–C014","Filing date and evidence"],["Third-party ownership","Answered procedurally","C015, C047–C049","Contribution and intent records"],["Nebraska general cash exemption","Answered","C016–C019","Residency, property list, prior selections"],["Current $5,970 amount","Answered","C017","Future 2028 adjustment not predicted"],["Deposited wages","Unresolved beyond no automatic rule","C020","Controlling Nebraska deposit-wage authority"],["EITC","Answered","C021","Refund allocation"],["Unemployment","Answered with nonmingling condition","C022","Account history and exception facts"],["Workers’ compensation","Answered as boundary","C023","Source, tracing, and support exception"],["Public assistance","Answered as boundary","C024","Exact program/payment"],["Retirement/IRA","Partial","C025","Plan qualification, support need, distribution status"],["Insurance/annuity","Partial","C026","Contract, beneficiary, amount, timing"],["Part 212 covered benefits","Answered","C027","Actual ACH coding and program"],["Part 212 review timing","Answered","C028","Order and account-identification receipt"],["No-review notice exception","Answered","C029","Actual qualifying notice/order"],["Protected amount","Answered","C030–C031","Account balance and deposits"],["Commingling/co-owner automatic treatment","Answered","C032, C049","None for automatic calculation"],["Transfer between accounts","Answered as no automatic tracing","C033","Full transfer records for court claim"],["Excess amount","Answered as potentially claimable","C034, C039","Underlying exemption evidence"],["Bank federal notice","Answered","C035","Actual conditions and notice date"],["Successive orders","Answered","C036","Whether order is genuinely new/different"],["Bank garnishment fee","Answered federally; state entitlement held","C037–C038, C052","Account agreement and state-law validity"],["Social Security/SSI","Answered","C040–C044","Benefit and tracing records"],["VA","Answered generally","C045","Benefit type and investment/use facts"],["RRB/RR unemployment/OPM","Answered generally","C046","Exact benefit and statutory exception"],["Tracing method","No exclusive method established","C041–C043","Court-selected evidentiary approach"],["Paper check","Answered as no automatic protection","C044","Check and deposit record"],["Joint account","Answered generally","C047–C049","Contributions, marriage, intent, account contract"],["Representative payee/fiduciary","Partial","C049","Appointment, beneficial ownership, agency rules"],["Setoff","Excluded except boundary","C050","Deposit agreement and setoff law"],["Bank safe harbor","Answered","C051","Actual compliance records"],["Wrongful-garnishment damages","Unresolved/excluded","—","Cause of action, fault, causation, and remedies"],["Appealability","Answered only as final-order boundary","C054","Actual order and appellate procedure"],["Automatic stay/release","Answered as no general automatic effect","C055","Court order or supersedeas"],["Prejudgment bank attachment","Excluded","—","Separate attachment pass"],["Wage garnishment","Excluded","—","PASS-19 review"],["Physical assets/execution","Excluded","—","Separate execution pass"],["Homestead","Excluded","—","Separate exemption pass"],["Child support/tax/student loan/federal agency","Excluded","—","Specialized collection passes"],["Bankruptcy","Excluded","—","Automatic stay and exemption pass"],["Underlying standing, amount, fees","Excluded","—","P8–P14 review and merits work"],["Judgment interest/dormancy/satisfaction","Excluded","—","PASS-18 review"],["Arbitration","Excluded","—","PASS-15/PASS-17 review"],["Credit reporting","Excluded","—","PASS-10 review"],["Local/tribal/foreign-country law","Excluded","—","Separate jurisdictional work"],["Named account or person","Not performed","—","Private records prohibited and unavailable"],["Nebraska/component/parent/A066 acceptance","Not granted","—","Remaining passes and coordinator review"]]}],"claims":[{"claim_id":"S_NE-P20-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C001","Precise claim":"Ordinary bank garnishment in aid of execution requires a court judgment.","Source and pinpoint":"S001 §25-1056; S018 p.944/index 1","Actor/stage, conditions, consequence, confidence":"Creditor/court; prewrit; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. S018944headnoteadd963/PDF20and968/PDF25actualbody.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C002","Precise claim":"Judgment alone does not freeze an account; affidavit, summons, and valid service are required.","Source and pinpoint":"S001–S003","Actor/stage, conditions, consequence, confidence":"Creditor/bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C003","Precise claim":"Bank holds debtor property and credits in its possession or control at service.","Source and pinpoint":"S001 §25-1056(1)","Actor/stage, conditions, consequence, confidence":"Bank; snapshot at service; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C004","Precise claim":"For undisputed bank credits, hold is ordinarily limited to judgment, interest, and costs stated in summons.","Source and pinpoint":"S001 §25-1056(1)","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C005","Precise claim":"Ordinary nonwage garnishment is not a continuing lien on later deposits.","Source and pinpoint":"S001 text; S010 one-review rules","Actor/stage, conditions, consequence, confidence":"Bank; high bounded conclusion"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C006","Precise claim":"Financial-institution designation can give statewide Nebraska branch reach.","Source and pinpoint":"S002 §25-1010","Actor/stage, conditions, consequence, confidence":"Bank service; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C007","Precise claim":"Bank answers interrogatories under oath within ten days after service.","Source and pinpoint":"S001; S004 §25-1026","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C008","Precise claim":"Creditor sends certified debtor notice within seven business days after issuance.","Source and pinpoint":"S003 §25-1011(2)","Actor/stage, conditions, consequence, confidence":"Creditor; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C009","Precise claim":"Debtor hearing request is due within three business days after receipt, not mailing.","Source and pinpoint":"S003 §25-1011(4)","Actor/stage, conditions, consequence, confidence":"Debtor; actual receipt needed; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C010","Precise claim":"Court must grant hearing within ten days after request.","Source and pinpoint":"S003 §25-1011(5)","Actor/stage, conditions, consequence, confidence":"Court; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C011","Precise claim":"Transfer of bank funds requires further court order.","Source and pinpoint":"S004 §25-1029; S020 CC 3:8C.1","Actor/stage, conditions, consequence, confidence":"Creditor/court/bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C012","Precise claim":"Bank’s failure to answer creates rebuttable presumption, not automatic final liability.","Source and pinpoint":"S004 §25-1028","Actor/stage, conditions, consequence, confidence":"Bank/court; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C013","Precise claim":"Creditor must challenge bank answer within 20 days or bank is discharged from disputed garnishee liability.","Source and pinpoint":"S004 §25-1030","Actor/stage, conditions, consequence, confidence":"Creditor; high"},"coordinator_verification_status":"answer_filing_trigger_precision_required","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. TwentydayanswerchallengeafteranswersFILED;differentnoncompliancebranchtriggerheld.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C014","Precise claim":"Creditor bears burden in garnishee-liability trial and has no greater rights than debtor.","Source and pinpoint":"S004 §25-1030.02; S019","Actor/stage, conditions, consequence, confidence":"Creditor/court; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. DatedreuseFlorence197–198/204body/outcome,notonly185headnotes.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C015","Precise claim":"Debtor or third-party owner may plead exemption or nonownership and intervene.","Source and pinpoint":"S004 §25-1030.03","Actor/stage, conditions, consequence, confidence":"Debtor/joint owner; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C016","Precise claim":"Nebraska resident natural person may select personal property under §25-1552.","Source and pinpoint":"S005","Actor/stage, conditions, consequence, confidence":"Debtor/exemption; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C017","Precise claim":"Current adjusted §25-1552 amount is $5,970 for 2023–2027.","Source and pinpoint":"S006 p.1/index 0","Actor/stage, conditions, consequence, confidence":"Units USD; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C018","Precise claim":"§25-1552 can be asserted against bank-account funds.","Source and pinpoint":"S007","Actor/stage, conditions, consequence, confidence":"Court hearing; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C019","Precise claim":"§25-1552 is aggregate personal-property selection, not automatic per-account protection.","Source and pinpoint":"S005–S007","Actor/stage, conditions, consequence, confidence":"Debtor; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C020","Precise claim":"No automatic Nebraska wage-percentage protection for deposited wages was verified.","Source and pinpoint":"S005, §25-1558; S022","Actor/stage, conditions, consequence, confidence":"Deposit account; bounded hold"},"coordinator_verification_status":"bounded_negative_finding_retained_vacated_source_qualification_required","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. Prussvacated/dissentisnotbindingNebraskabankholding;classificationanddepositcarryoverremainunresolved.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C021","Precise claim":"Full federal or state EITC refund is exempt in money-judgment collection.","Source and pinpoint":"S017, §25-1553","Actor/stage, conditions, consequence, confidence":"Debtor; source proof needed; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C022","Precise claim":"Received unemployment benefits remain exempt only while not mingled, subject to statutory exceptions.","Source and pinpoint":"S017, §48-647","Actor/stage, conditions, consequence, confidence":"Debtor; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C023","Precise claim":"Workers’ compensation proceeds and interest are exempt from ordinary debts, subject to support exceptions.","Source and pinpoint":"S017, §48-149","Actor/stage, conditions, consequence, confidence":"Debtor; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C024","Precise claim":"General and specified public assistance are protected from garnishment.","Source and pinpoint":"S017, §§68-148, 68-1013","Actor/stage, conditions, consequence, confidence":"Program-specific; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C025","Precise claim":"Qualifying retirement interests are protected only to extent reasonably necessary and subject to statutory exceptions.","Source and pinpoint":"S017, §25-1563.01","Actor/stage, conditions, consequence, confidence":"Debtor/plan; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C026","Precise claim":"Insurance and annuity exemptions require exact benefit, beneficiary, amount, and timing predicates.","Source and pinpoint":"S017, §44-371","Actor/stage, conditions, consequence, confidence":"Debtor/beneficiary; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C027","Precise claim":"Part 212 covers specially encoded direct deposits from listed federal benefit agencies.","Source and pinpoint":"S010 §§212.2–212.3","Actor/stage, conditions, consequence, confidence":"Bank review; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C028","Precise claim":"Bank ordinarily completes Part 212 review within two business days after order and account identification information.","Source and pinpoint":"S010 §212.4","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"federal_two_clock_and_locator_correction_required","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. 212.4(a)receipt-onlyexamination vs212.5(a)order+identificationreview, permittedbatchbranch;D2mustsplit.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C029","Precise claim":"Federal-benefits notice in qualifying U.S. or support order eliminates ordinary account review.","Source and pinpoint":"S010 §212.4","Actor/stage, conditions, consequence, confidence":"Special-order exception; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C030","Precise claim":"Protected amount equals lesser of covered lookback deposits and current balance.","Source and pinpoint":"S010 §§212.3, 212.6","Actor/stage, conditions, consequence, confidence":"Formula; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C031","Precise claim":"Automatic protected amount is conclusively exempt and immediately accessible.","Source and pinpoint":"S010 §§212.6–212.7","Actor/stage, conditions, consequence, confidence":"Bank/account holder; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C032","Precise claim":"Part 212 review disregards commingling, co-owner status, and debt nature.","Source and pinpoint":"S010 §§212.5–212.6","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C033","Precise claim":"Part 212 does not trace transfers between separate accounts.","Source and pinpoint":"S010 §212.5","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C034","Precise claim":"Excess over automatic amount can be frozen but may remain substantively exempt.","Source and pinpoint":"S010 §§212.7–212.9; S008","Actor/stage, conditions, consequence, confidence":"Bank/court; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C035","Precise claim":"Bank notice is due within three business days after review when regulatory conditions exist.","Source and pinpoint":"S010 §212.7","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C036","Precise claim":"One review is required per new or different order; repeated same order does not create repeated review or continuing freeze.","Source and pinpoint":"S010 §212.6","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C037","Precise claim":"Garnishment fee cannot be charged to protected amount.","Source and pinpoint":"S010 §212.6","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C038","Precise claim":"Within five business days, fee debit is limited to nonbenefit funds and cannot exceed those funds.","Source and pinpoint":"S010 §212.6","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C039","Precise claim":"Part 212 preserves broader underlying exemptions and more protective consistent state law.","Source and pinpoint":"S010 §§212.8–212.9","Actor/stage, conditions, consequence, confidence":"Account holder/court; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C040","Precise claim":"Social Security and SSI are protected by §§407 and 1383(d).","Source and pinpoint":"S011","Actor/stage, conditions, consequence, confidence":"Account holder; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C041","Precise claim":"Deposited Social Security funds remain exempt when reasonably traceable despite commingling.","Source and pinpoint":"S008 p.673/index 4; S012","Actor/stage, conditions, consequence, confidence":"Account holder; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C042","Precise claim":"Claimant asserting exemption bears tracing burden.","Source and pinpoint":"S008 p.673/index 4","Actor/stage, conditions, consequence, confidence":"Hearing; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C043","Precise claim":"Nebraska has not prescribed one exclusive tracing formula in the controlling commingling decision.","Source and pinpoint":"S008","Actor/stage, conditions, consequence, confidence":"Court; high bounded conclusion"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C044","Precise claim":"Paper benefit checks are outside Part 212 automatic encoded-direct-deposit protection but may retain statutory exemption.","Source and pinpoint":"S010; S011–S014","Actor/stage, conditions, consequence, confidence":"Bank/court; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C045","Precise claim":"VA deposits retain exemption while available for support and not converted into permanent investments.","Source and pinpoint":"S013–S014","Actor/stage, conditions, consequence, confidence":"Account holder; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. E3literal5301purchasedpropertyclauseisastoTAXATION;Porterfn3/Carrierpermanentinvestmentreasoningseparate.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C046","Precise claim":"Railroad and federal civil-service benefits have underlying federal anti-garnishment protection.","Source and pinpoint":"S015–S016","Actor/stage, conditions, consequence, confidence":"Account holder; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C047","Precise claim":"Joint account ownership follows net contributions absent different intent; spouses presumed equal absent proof.","Source and pinpoint":"S009 §30-2722","Actor/stage, conditions, consequence, confidence":"Joint owners; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C048","Precise claim":"Joint account title alone does not establish that the debtor owns the entire balance.","Source and pinpoint":"S009; S014/S019 principles","Actor/stage, conditions, consequence, confidence":"Court; high"},"coordinator_verification_status":"wrong_source_crosslink_annotation_required","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. S014Porternotnetcontributionauthority;useS00930-2722/S019qualifiedrightceiling.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C049","Precise claim":"Part 212 automatic amount is not reduced because of a co-owner.","Source and pinpoint":"S010","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C050","Precise claim":"Bank setoff is legally distinct from third-party garnishment.","Source and pinpoint":"S009 §30-2733","Actor/stage, conditions, consequence, confidence":"Bank/account; high boundary"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C051","Precise claim":"Part 212 good-faith compliance provides bank safe harbor and requires two-year records.","Source and pinpoint":"S010 §§212.10–212.11","Actor/stage, conditions, consequence, confidence":"Bank; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. AutomaticPart212predicates/notice/safeharbor/feescope notuniversalbenefitorbankliabilityrule.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C052","Precise claim":"No general Nebraska statutory bank-processing fee against the debtor’s account was verified.","Source and pinpoint":"S004 §25-1026; bounded search","Actor/stage, conditions, consequence, confidence":"Partial/negative finding"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C053","Precise claim":"Bank-answer filing fee can be taxed as court costs.","Source and pinpoint":"S004 §25-1026","Actor/stage, conditions, consequence, confidence":"Garnishee/court; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C054","Precise claim":"A final order deciding all interests in specific garnished property can be appealable.","Source and pinpoint":"S019","Actor/stage, conditions, consequence, confidence":"Appeal boundary; high"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. DatedreuseFlorence197–198/204body/outcome,notonly185headnotes.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P20-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P20-C055","Precise claim":"No exemption claim, administrative complaint, or appeal automatically releases funds absent controlling court order.","Source and pinpoint":"S003–S004, S019","Actor/stage, conditions, consequence, confidence":"Procedure; high bounded conclusion"},"coordinator_verification_status":"supported_in_examined_conditional_scope","coordinator_limits":"Actualjudgment/ownership/source/service/order/currentness/privatefacts remainheld; noentitlementaccepted. Merenegotiationnotautomaticstatutorystay;actualagreedpaymentplan/forbearance/courtorderdistinctandfactdependent.","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_NE-P20-S001","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P20-S001","Title, issuer, full literal URL, and exact pinpoint":"Neb. Rev. Stat. §25-1056 — Garnishment in aid of execution, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1056; subsections (1) and financial-institution service provisions.","Version/status and access":"Official codification page freshly read 2026-10-26 PT/UTC. Nebraska laws search page stated last update May 27, 2026; no later session-law universe independently audited.","Read bounds and limitations":"Judgment prerequisite, affidavit, service, hold-at-service, amount cap, and incorporation of §§25-1011 and 25-1026–1031.01. (nebraskalegislature.gov)"},"coordinator_verification_status":"bounded_material_source_check_with_recorded_corrections_and_holds","coordinator_access":"Fresh official25-1056(1)and(6)complete material text;packets1,16–17","coordinator_result_and_limits":"Judgment/swornapplication/10dayanswer/service-datehold and financial-institution designated-service predicates supported. §6website-effective designation,30dayreliance/10businessdayupdate/election/immunity read; actualbankroster/service held.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P20-S002","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P20-S002","Title, issuer, full literal URL, and exact pinpoint":"Neb. Rev. Stat. §25-1010 — Garnishment summons and financial-institution designations, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1010; subsections (1)–(3).","Version/status and access":"Official current page freshly read 2026-10-26.","Read bounds and limitations":"Prejudgment attachment distinction, wage prohibition, bank-designation and statewide service mechanics. Full prejudgment attachment analysis excluded. (nebraskalegislature.gov)"},"coordinator_verification_status":"bounded_material_source_check_with_recorded_corrections_and_holds","coordinator_access":"Fresh official25-1010material(1)–(4)and datedreuseNE19sourceS002complete(1)–(3);packet16","coordinator_result_and_limits":"Prejudgmentwagebar supported. Bankdesignation is(4), not source-row claimed(1)–(3); postjudgment matchingauthority25-1056(6) freshlyread. No general prejudgment authorization.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P20-S003","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P20-S003","Title, issuer, full literal URL, and exact pinpoint":"Neb. Rev. Stat. §25-1011 — Debtor notice and hearing, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1011; subsections (1)–(5).","Version/status and access":"Official current page freshly read 2026-10-26.","Read bounds and limitations":"Certified mailing, notice content, three-business-day receipt trigger, hearing within ten days. (nebraskalegislature.gov)"},"coordinator_verification_status":"bounded_material_source_check_with_recorded_corrections_and_holds","coordinator_access":"Fresh official25-1011complete(1)–(5),packet1","coordinator_result_and_limits":"Sevenbusinessdaysfromissuance/threebusinessdaysafterreceipt/ten-dayhearing supported. B6addsinterrogatories to debtor-mail statutorylist; §2 lists summons/order,notice,hearingform while §1 serves interrogatories on garnishee. Separate form/practice from statutory minimum.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P20-S004","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026&utm_source=chatgpt.com","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1027","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1028","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1029","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030.01","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030.02","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030.03","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1031","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1031.01"],"researcher_record":{"Source ID":"S_NE-P20-S004","Title, issuer, full literal URL, and exact pinpoint":"Neb. Rev. Stat. §§25-1026–25-1031.01, Nebraska Legislature. Full URLs: https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026; ...=25-1027; ...=25-1028; ...=25-1029; ...=25-1030; ...=25-1030.01; ...=25-1030.02; ...=25-1030.03; ...=25-1031; ...=25-1031.01.","Version/status and access":"Complete operative sections freshly read 2026-10-26.","Read bounds and limitations":"Bank answer, payment into court, failure to answer, transfer order, liability application, intervention, trial, discharge, and finality. (nebraskalegislature.gov)"},"coordinator_verification_status":"bounded_material_source_check_with_recorded_corrections_and_holds","coordinator_access":"Fresh1026/1030operativebodypackets10–12; datedreuse14:21NE19S004all10operativebodies,primarypackets2–4","coordinator_result_and_limits":"Oath/costtaxation/defaultpresumption/adjudication/intervention supported in boundedprocedure. C013/A/B9/Gomit20dayanswer-FILINGtrigger; reuseNE19Huntington305–306/PDF11–12. Noncompliancebranch trigger held. Full10directlocators restored with datedreuse provenance.","coordinator_review":"[internal evidence reference]","coordinator_full_urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=25-1026","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1027","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1028","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1029","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030.01","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030.02","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1030.03","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1031","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1031.01"]},{"source_id":"S_NE-P20-S005","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552","https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P20-S005","Title, issuer, full literal URL, and exact pinpoint":"Neb. Rev. Stat. §25-1552 — General personal-property exemption, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-1552; complete section.","Version/status and access":"Official current page freshly read 2026-10-26.","Read bounds and limitations":"Resident natural-person requirement, property list and selection, wage exclusion, valuation. Dollar amount adjusted separately. (nebraskalegislature.gov)"},"coordinator_verification_status":"bounded_material_source_check_with_recorded_corrections_and_holds","coordinator_access":"Fresh25-1552completeoperative(1)–(2),packets1–2","coordinator_result_and_limits":"Residentnaturalperson/list/select/valuation/aggregate/wageexclusion supported. Actual selection/residency/capuse held.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P20-S006","urls":["https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf","https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P20-S006","Title, issuer, full literal URL, and exact pinpoint":"Revenue Ruling 2023-1, Nebraska Department of Revenue. https://revenue.nebraska.gov/sites/default/files/doc/legal/rulings/rr2023-1.pdf; printed p.1/PDF index 0.","Version/status and access":"Official PDF dated September 19, 2023; freshly read and visually inspected 2026-10-26.","Read bounds and limitations":"Establishes §25-1552 adjusted amount of $5,970 for 2023–2027. (revenue.nebraska.gov)"},"coordinator_verification_status":"bounded_material_source_check_with_recorded_corrections_and_holds","coordinator_access":"FreshDORRevenueRuling2023-1completeonepageparsedtext,packets1–2","coordinator_result_and_limits":"5970for2023–2027 confirmed. Htable says2pages but actualPDF1page; annotatepagecount. NoindependentvisualQA and no2028prediction.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P20-S007","urls":["https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html","https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P20-S007","Title, issuer, full literal URL, and exact pinpoint":"ARL Credit Services, Inc. v. Piper, 15 Neb. App. 811 (2007). https://law.justia.com/cases/nebraska/court-of-appeals/2007/a-06-090-9.html; actual published-opinion HTML reproduction, no PDF index.","Version/status and access":"Final Nebraska Court of Appeals opinion; reproduction freshly read 2026-10-26.","Read bounds and limitations":"Holds §25-1552 exemption available in bank garnishment; historical dollar amount not used. (law.justia.com)"},"coordinator_verification_status":"bounded_material_source_check_with_recorded_corrections_and_holds","coordinator_access":"FreshactualARLopinionHTMLfacts/analysis/conclusion,packets3–4,16–17","coordinator_result_and_limits":"Bankfunds canclaim1552; reversed/remanded, noautomaticaward. Historical2500notcurrent5970. HTMLhostprimaryreproduction/noPDFpagination; fullcitatornotdone.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P20-S008","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB","https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P20-S008","Title, issuer, full literal URL, and exact pinpoint":"Schaefer Shapiro LLP v. Ball, 305 Neb. 669 (2020). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00012229PUB; printed p.673/PDF index 4 and printed p.675/index 6.","Version/status and access":"Final published Nebraska Supreme Court opinion; freshly read and screenshots inspected 2026-10-26.","Read bounds and limitations":"Social Security deposits, commingling, reasonable tracing, claimant burden, Part 212 distinction. 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assistance","Status":"Answered as boundary","Claim IDs":"C024","Exact missing authority or evidence":"Exact program/payment"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Retirement/IRA","researcher_record":{"Assigned issue":"Retirement/IRA","Status":"Partial","Claim IDs":"C025","Exact missing authority or evidence":"Plan qualification, support need, distribution status"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Insurance/annuity","researcher_record":{"Assigned issue":"Insurance/annuity","Status":"Partial","Claim IDs":"C026","Exact missing authority or evidence":"Contract, beneficiary, amount, timing"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Part 212 covered benefits","researcher_record":{"Assigned issue":"Part 212 covered benefits","Status":"Answered","Claim IDs":"C027","Exact missing authority or evidence":"Actual ACH coding and program"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Part 212 review timing","researcher_record":{"Assigned issue":"Part 212 review timing","Status":"Answered","Claim IDs":"C028","Exact missing authority or evidence":"Order and account-identification receipt"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"No-review notice exception","researcher_record":{"Assigned issue":"No-review notice exception","Status":"Answered","Claim IDs":"C029","Exact missing authority or evidence":"Actual qualifying notice/order"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Protected amount","researcher_record":{"Assigned issue":"Protected amount","Status":"Answered","Claim IDs":"C030–C031","Exact missing authority or evidence":"Account balance and deposits"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Commingling/co-owner automatic treatment","researcher_record":{"Assigned issue":"Commingling/co-owner automatic treatment","Status":"Answered","Claim IDs":"C032, C049","Exact missing authority or evidence":"None for automatic calculation"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Transfer between accounts","researcher_record":{"Assigned issue":"Transfer between accounts","Status":"Answered as no automatic tracing","Claim IDs":"C033","Exact missing authority or evidence":"Full transfer records for court claim"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Excess amount","researcher_record":{"Assigned issue":"Excess amount","Status":"Answered as potentially claimable","Claim IDs":"C034, C039","Exact missing authority or evidence":"Underlying exemption evidence"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Bank federal notice","researcher_record":{"Assigned issue":"Bank federal notice","Status":"Answered","Claim IDs":"C035","Exact missing authority or evidence":"Actual conditions and notice date"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Successive orders","researcher_record":{"Assigned issue":"Successive orders","Status":"Answered","Claim IDs":"C036","Exact missing authority or evidence":"Whether order is genuinely new/different"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Bank garnishment fee","researcher_record":{"Assigned issue":"Bank garnishment fee","Status":"Answered federally; state entitlement held","Claim IDs":"C037–C038, C052","Exact missing authority or evidence":"Account agreement and state-law validity"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Social Security/SSI","researcher_record":{"Assigned issue":"Social Security/SSI","Status":"Answered","Claim IDs":"C040–C044","Exact missing authority or evidence":"Benefit and tracing records"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"VA","researcher_record":{"Assigned issue":"VA","Status":"Answered generally","Claim IDs":"C045","Exact missing authority or evidence":"Benefit type and investment/use facts"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"RRB/RR unemployment/OPM","researcher_record":{"Assigned issue":"RRB/RR unemployment/OPM","Status":"Answered generally","Claim IDs":"C046","Exact missing authority or evidence":"Exact benefit and statutory exception"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Tracing method","researcher_record":{"Assigned issue":"Tracing method","Status":"No exclusive method established","Claim IDs":"C041–C043","Exact missing authority or evidence":"Court-selected evidentiary approach"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Paper check","researcher_record":{"Assigned issue":"Paper check","Status":"Answered as no automatic protection","Claim IDs":"C044","Exact missing authority or evidence":"Check and deposit record"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Joint account","researcher_record":{"Assigned issue":"Joint account","Status":"Answered generally","Claim IDs":"C047–C049","Exact missing authority or evidence":"Contributions, marriage, intent, account contract"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Representative payee/fiduciary","researcher_record":{"Assigned issue":"Representative payee/fiduciary","Status":"Partial","Claim IDs":"C049","Exact missing authority or evidence":"Appointment, beneficial ownership, agency rules"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Setoff","researcher_record":{"Assigned issue":"Setoff","Status":"Excluded except boundary","Claim IDs":"C050","Exact missing authority or evidence":"Deposit agreement and setoff law"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Bank safe harbor","researcher_record":{"Assigned issue":"Bank safe harbor","Status":"Answered","Claim IDs":"C051","Exact missing authority or evidence":"Actual compliance records"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Wrongful-garnishment damages","researcher_record":{"Assigned issue":"Wrongful-garnishment damages","Status":"Unresolved/excluded","Claim IDs":"—","Exact missing authority or evidence":"Cause of action, fault, causation, and remedies"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Appealability","researcher_record":{"Assigned issue":"Appealability","Status":"Answered only as final-order boundary","Claim IDs":"C054","Exact missing authority or evidence":"Actual order and appellate procedure"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Automatic stay/release","researcher_record":{"Assigned issue":"Automatic stay/release","Status":"Answered as no general automatic effect","Claim IDs":"C055","Exact missing authority or evidence":"Court order or supersedeas"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Prejudgment bank attachment","researcher_record":{"Assigned issue":"Prejudgment bank attachment","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"Separate attachment pass"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Wage garnishment","researcher_record":{"Assigned issue":"Wage garnishment","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"PASS-19 review"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Physical assets/execution","researcher_record":{"Assigned issue":"Physical assets/execution","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"Separate execution pass"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Homestead","researcher_record":{"Assigned issue":"Homestead","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"Separate exemption pass"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Child support/tax/student loan/federal agency","researcher_record":{"Assigned issue":"Child support/tax/student loan/federal agency","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"Specialized collection passes"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Bankruptcy","researcher_record":{"Assigned issue":"Bankruptcy","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"Automatic stay and exemption pass"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Underlying standing, amount, fees","researcher_record":{"Assigned issue":"Underlying standing, amount, fees","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"P8–P14 review and merits work"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Judgment interest/dormancy/satisfaction","researcher_record":{"Assigned issue":"Judgment interest/dormancy/satisfaction","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"PASS-18 review"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Arbitration","researcher_record":{"Assigned issue":"Arbitration","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"PASS-15/PASS-17 review"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Credit reporting","researcher_record":{"Assigned issue":"Credit reporting","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"PASS-10 review"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Local/tribal/foreign-country law","researcher_record":{"Assigned issue":"Local/tribal/foreign-country law","Status":"Excluded","Claim IDs":"—","Exact missing authority or evidence":"Separate jurisdictional work"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Named account or person","researcher_record":{"Assigned issue":"Named account or person","Status":"Not performed","Claim IDs":"—","Exact missing authority or evidence":"Private records prohibited and unavailable"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Nebraska/component/parent/A066 acceptance","researcher_record":{"Assigned issue":"Nebraska/component/parent/A066 acceptance","Status":"Not granted","Claim IDs":"—","Exact missing authority or evidence":"Remaining passes and coordinator review"},"coordinator_acceptance":"scoped_review_complete_corrections_and_original_holds_remain","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}