{"meta":{"key":"s_wi--pass-13","task":"S_WI","title":"Wisconsin ordinary consumer-judgment non-earnings garnishment of bank/deposit accounts and exempt-funds gateway","parent_title":"Wisconsin debt and debt relief law","edition":"pass-13","path":"/research/s_wi--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":10,"claims":53,"sources":47,"review_status":"scoped_coordinator_review_qualifications_UNSENT","review_complete":true,"sha256":"f00b0f0e032c2fefe6bb19ffaac0b742bd333bd8c2166d3b4c5a300988757bfb","headings":["Wisconsin ordinary consumer-judgment non-earnings garnishment of bank/deposit accounts and exempt-funds gateway","1. Actor and legal-role matrix","2. Separate-action and postjudgment gateway","3. Commencement and service","3.1 Filing and issuance","3.2 Service on garnishee","3.3 Service on debtor","4. Financial-institution implementation point","5. Garnishee answer","6. Debtor answer and creditor response","7. Default and failure to answer","8. Scope of property held","9. Payment to the clerk and disposition","10. Third-party claimant and release bond","11. Wisconsin depository-account exemption","Deposit-account exemption conditions","12. Exemption must generally be claimed","13. Partial exemption, spouses, residency, and consumer-credit election","14. Deposited wages are not automatically CCPA “earnings”","15. Joint accounts, liens, setoff, and competing claims","16. Scope of 31 C.F.R. part 212","17. Definitions that control the automated review","18. First review: special federal or child-support notice","19. Account review timing and method","20. No coded payment in lookback","21. Coded benefit found: automatic protected amount","22. Funds above the protected amount","23. One review, later deposits, and multiple orders","24. Garnishment fees","25. Federal notice to account holder","26. Preemption, safe harbor, and records","27. Underlying federal benefit protections","Social Security","SSI","VA benefits","Railroad and OPM benefits","Example 1 — Ordinary unprotected personal funds","Example 2 — Coded federal benefit deposits; entire balance protected","Example 3 — Coded benefits plus $500 excess","Example 4 — Older benefit funds outside the automated lookback","Example 5 — Benefit paid by paper check","Example 6 — Wages deposited before bank garnishment","Example 7 — Joint account and nondebtor ownership claim","Example 8 — Debtor claims Wisconsin deposit exemption","Example 9 — Garnishee fails to answer","Example 10 — Federal review clock and account-holder notice","Example 11 — Two orders and bank setoff claim","Example 12 — United States or child-support Appendix B order","28. PASS-08 D5 crosswalk","29. Evidence-backed article and tool opportunities","A. Wisconsin bank-garnishment process map","B. Deposit-account exemption checklist","C. Federal benefit protected-amount calculator","D. Clock checklist","Actual fresh reading","Currentness and evidence limits","Calculation check","Calendar check","Register reconciliation","No actions 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_WI/pass-13","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["judgment","levy"],"subject":["bank-garnishment"]},"scope":"OnlyreviewedP08D5non-earningsdepositgarnishment/state-exemptionandfederalbankreviewgateway; no unreviewedP11wagepremises","pending_corrections":3},"markdown":"# SettleADebt S_WI PASS-13\n\n## Wisconsin ordinary consumer-judgment non-earnings garnishment of bank/deposit accounts and exempt-funds gateway\n\n**Actual fresh source-access date:** October 26, 2026, America/Los_Angeles; October 27, 2026 UTC.\n**Historical baseline:** October 22, 2026 Pacific.\n**Mode/model:** Regular Chat, GPT-5.6 Sol Pro. No separately exposed power tier, quota status, reset status, or measured capability ranking is claimed.\n**Component boundary:** Ordinary Wisconsin postjudgment **non-earnings garnishment**, principally deposit accounts, plus the narrow Wisconsin and federal exempt-funds procedures needed to understand what a bank must initially hold, automatically protect, or leave for judicial resolution.\n\nPASS-11’s earnings report remains saved but unreviewed and supplies no premise here. P01-P03, P07, and P09 likewise remain unreviewed. PASS-08/PASS-10 supply only the reviewed boundary that garnishment was deferred; their judgment-duration, interest, and satisfaction conclusions are not rerun.\n\nThroughout this report, C001 means S_WI-P13-C001, and S001 means S_WI-P13-S001.\n\n# Current-source qualification\n\nA bounded fresh attempt to retrieve the Wisconsin Legislature’s official full chapter 812 PDF was unsuccessful. The official search result identifies an **11-page chapter 812 publication updated August 5, 2026**, but the body timed out through the available public route. I did not repeat the same failed endpoint. [Wisconsin Legislative Documents](https://docs.legis.wisconsin.gov/document/statutes/ch.%20812.pdf?utm_source=chatgpt.com)\n\nAccordingly:\n\n- official Wisconsin Court System forms, instructions, and official Legislature section snippets are treated as official procedural evidence;\n- freshly read 2025 Wisconsin statute reproductions are labeled **nonofficial read-aids**, not current primary-body certification;\n- the current integrated bodies of chapter 812 and §815.18 remain held;\n- no unread provision is treated as absent; and\n- local clerk, filing-fee, service, scheduling, and hearing practices are not certified for all 72 counties.\n\nThe federal benefit-protection sources were freshly read from current eCFR Title 31, displayed as current through October 23, 2026 and last amended October 15, 2026. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3)\n\n# Executive disposition\n\nA Wisconsin bank-account garnishment involves **two separate layers**:\n\n1. **Wisconsin non-earnings garnishment:** a separate civil action against the garnishee. The creditor files a garnishee summons and complaint; serves the financial institution and then the debtor; the bank identifies what it owes or holds, discloses liens, setoffs, exemptions, and third-party claims; the debtor may answer and claim exemptions; and the court ultimately directs payment or release where the matter is disputed. The creditor’s complaint is an allegation, not proof that the account is owned entirely by the debtor, that all funds are nonexempt, or that the judgment remains enforceable. **C001–C018.**\n2. **Federal automated review of certain direct-deposited federal benefits:** before freezing funds under an ordinary order, a financial institution must determine whether the order carries the special federal/support notice and, if not, review each account for specifically coded direct deposits of Social Security, SSI, VA, Railroad Retirement, or OPM benefits during the federal two-month lookback period. The protected amount is the lesser of the coded benefit deposits during that period or the balance at review. The customer obtains immediate access without filing an exemption claim. **C031–C045.**\n\nThese layers are not interchangeable:\n\n- Wisconsin’s reproduced deposit-account exemption is an **aggregate $5,000**, personal-use-only exemption that must generally be affirmatively claimed.\n- The federal protected amount is automatically calculated by the bank from specifically coded direct deposits.\n- Funds outside the automated federal protected amount may still be exempt under federal or state law, but may require an affirmative claim and tracing.\n- A bank’s initial hold is not the final judicial determination of ownership or exemption.\n- Deposited wages are not automatically governed by the federal wage-garnishment percentages merely because their source was payroll.\n- Neither an exemption nor a bank release invalidates the underlying judgment or debt. [Wisconsin Legislative Documents+2](https://docs.legis.wisconsin.gov/?utm_source=chatgpt.com)\n\n# G1. Current procedure, actors, commencement, answers, and disposition\n\n## 1. Actor and legal-role matrix\n\n| Actor | Role in the ordinary Wisconsin non-earnings action | Material limit |\n| --- | --- | --- |\n| **Judgment creditor / plaintiff** | Starts the separate garnishment action and alleges the judgment, unpaid amount, and belief that the garnishee owes or holds nonexempt debtor property | Allegation does not establish ownership, nonexemption, valid assignment, or present enforceability |\n| **Judgment debtor / principal defendant** | Receives the summons and complaint, may answer, claim exemptions, dispute ownership, and participate in trial | Silence can create serious procedural consequences, but does not convert a third party’s property into the debtor’s property |\n| **Financial institution / garnishee** | Determines what debtor property or debts it holds, implements the garnishment, answers, identifies setoffs/liens/exemptions/other claimants, and holds or pays funds as directed | The bank does not finally adjudicate a contested exemption or ownership claim merely by freezing funds |\n| **Nondebtor account co-owner or third-party claimant** | May assert ownership or be impleaded into the garnishment proceeding | Joint account title alone does not resolve the debtor’s actual interest |\n| **Clerk of court** | Issues the summons after the filing-fee predicate, receives filings and potentially garnishee payment, and processes court orders | Clerk procedure and fees can vary locally |\n| **Court** | Decides contested answers, ownership, exemptions, setoffs, and disposition; can order payment, release, transfer, delivery, or sale | This pass does not decide merits of any actual account or judgment |\n| **Creditor’s Wisconsin attorney** | Required to commence the action for entities that cannot appear pro se; receives answers and can reply or object | Actual representation and authorization are unsupplied |\n| **Sheriff or private process server** | May serve the summons and complaint under general service rules and court guidance | Local service details remain uncertified |\n| **Representative acting for debtor** | May assert an exemption on the debtor’s behalf under the reproduced exemption procedure | Authority and exact communication remain factual |\n\n**C002–C004, C020–C025.** [Justia Law+1](https://law.justia.com/codes/wisconsin/chapter-812/section-812-01/)\n\n## 2. Separate-action and postjudgment gateway\n\nWisconsin’s non-earnings garnishment is a **separate civil action**, governed by general civil procedure unless chapter 812 supplies a different rule. The ordinary judgment branch is available after execution on an in-personam judgment is issuable. A person may not use the action to affect a nonparty spouse’s property unless the spouse is made a defendant as the statute requires. **C002–C005.** [Justia Law+1](https://law.justia.com/codes/wisconsin/chapter-812/section-812-01/)\n\nThe required postjudgment complaint must state, in substance:\n\n- the court and judgment information;\n- the judgment date and amount;\n- the amount presently claimed, with garnishment disbursements not exceeding the specified statutory addition;\n- the creditor’s belief that the garnishee owes the debtor or possesses debtor property; and\n- that, to the creditor’s best knowledge and belief, the property is not exempt.\n\nMultiple garnishees can be joined, but joint liability must be pleaded where asserted. **C005.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-05/)\n\nThe sources read do not establish a separate, universal **affidavit** as an additional statutory commencement prerequisite for the ordinary postjudgment complaint. A particular county, e-filing workflow, or special branch may impose additional procedural requirements; those remain held.\n\n## 3. Commencement and service\n\n### 3.1 Filing and issuance\n\nAfter payment of the applicable fee, the clerk issues the garnishee summons. The action is commenced by filing the garnishee summons and annexed complaint. As to a defendant not served with authenticated copies within 60 days after filing, the action is not deemed commenced against that defendant under the reproduced provision. **C006.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-04/)\n\n### 3.2 Service on garnishee\n\nThe garnishee is served under Wisconsin’s general civil-service chapter. The creditor also pays the garnishee the reproduced **$3 fee**; the garnishee need not answer until that fee is paid. **C007–C008.** [Justia Law+1](https://law.justia.com/codes/wisconsin/chapter-812/section-812-06/)\n\n### 3.3 Service on debtor\n\nNo later than **10 days after service on the garnishee**, the debtor must receive the garnishee summons and complaint together with the principal summons. Failure to accomplish the required debtor service requires dismissal under the reproduced statute. **C007.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-07/)\n\nThe official small-claims guide describes sheriff or private-process-server service and warns that local rules differ. It is guidance rather than a substitute for chapter 801 or current chapter 812. [Wisconsin Court System+1](https://www.wicourts.gov/formdisplay/SC-6071V_instructions.pdf?formNumber=SC-6071V&formType=Instructions&formatId=2&language=en)\n\n## 4. Financial-institution implementation point\n\nUnder the reproduced §812.19(4), a financial institution’s liability is measured from the time it is first reasonably able to put the garnishment into effect, but no later than the end of the **second business day after the business day on which the summons and complaint are received**.\n\nProperty leaving the institution before implementation during that permitted interval is not subject to the garnishment, and the institution has no duty to recover it or liability to the creditor for it. Safe-deposit-box contents are not treated as property in the bank’s possession or control under this garnishment subchapter. **C009–C010.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-19/)\n\nThis Wisconsin implementation clock is distinct from the federal benefit-review clock under 31 C.F.R. part 212. The two regimes must both be applied where relevant.\n\n## 5. Garnishee answer\n\nThe garnishee ordinarily has **20 days, excluding the day of service**, to serve its answer on the creditor or creditor’s attorney and file the answer with the clerk. The answer must address, as applicable:\n\n- debts due or potentially due to the debtor;\n- amount and interest;\n- whether the obligation is absolute or contingent;\n- property held, its title, possession, and debtor interest;\n- the garnishee’s setoff, defense, lien, or other claim;\n- known exemptions or objections; and\n- known third-party claimants.\n\n**C011.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-11/)\n\nThe official CV-302 form operationalizes this disclosure by separating gross property or debt, exemptions and other deductions, and the amount the bank believes remains subject. It is not a final adjudication of a disputed exemption. [Wisconsin Court System](https://www.wicourts.gov/formdisplay/CV-302.pdf?formNumber=CV-302&formType=Form&formatId=2&language=en)\n\n## 6. Debtor answer and creditor response\n\nThe debtor may answer within **20 days after service** and may raise any ground available to the garnishee, including exemption, lack of ownership, setoff-related facts, or other defenses. The debtor may participate in the resulting trial. **C012.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-15/)\n\nThe official CV-303 and SC-303 forms expressly identify the deposit-account exemption and provide an answer mechanism. [Wisconsin Court System+2](https://www.wicourts.gov/formdisplay/CV-303.pdf?formNumber=CV-303&formType=Form&formatId=2&language=en)\n\nA garnishee’s answer is taken as true unless the creditor serves a reply within **20 days after receiving it**. A timely reply joins the issue, and the resulting dispute is tried to the court as an ordinary civil matter. **C013.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-14/)\n\nThe court forms provide a creditor-objection and hearing mechanism for garnishee or debtor answers. No universal current statutory deadline for objecting to every debtor exemption answer was independently verified in the bodies read; county scheduling practices remain held.\n\n## 7. Default and failure to answer\n\nA garnishee’s failure to answer can expose the garnishee to judgment for the amount of the creditor’s judgment against the debtor plus allowable costs. That exposure is not described here as an automatic electronic transfer; a judicial default process and legally sufficient notice remain necessary. **C014.** [Justia Law+2](https://law.justia.com/codes/wisconsin/chapter-812/section-812-04/)\n\nThe creditor’s complaint does not establish that the garnishee actually held funds merely because no timely answer was filed.\n\n## 8. Scope of property held\n\nFrom service, and subject to the special financial-institution timing rule, the garnishee is potentially liable for:\n\n- property in its possession or control belonging to the debtor;\n- property in which the debtor has an interest, but only to the extent of that right or interest; and\n- debts due or to become due to the debtor,\n\nexcluding exempt property and the other identified statutory exceptions. Liability does not exceed the creditor’s claim. **C015.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-18/)\n\nIf the garnishee holds enough money to cover the claim and authorized disbursements, excess property ceases to be subject. If it holds less, subject property is generally held pending further court order, and the debtor can petition to release property not reasonably required to secure the claim. **C016.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-18/)\n\n## 9. Payment to the clerk and disposition\n\nWhere an answer admits a debt already due, the garnishee may pay the clerk up to the claim and allowed disbursements. On the creditor’s written request, the reproduced statute requires payment within **five days**; the clerk’s receipt discharges the garnishee to that extent. If the debt is not yet due, the payment rule applies when it becomes due. Without voluntary payment or a written request, the garnishee generally holds the property pending court order. **C017.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-13/)\n\nGF-105 is the official court-order vehicle for directing payment or releasing the garnishee. The form includes branches involving the creditor’s failure to contest or seek disposition within specified periods, but the form is not treated as independent statutory authority for every local case. **C018.** [Wisconsin Court System](https://www.wicourts.gov/formdisplay/GF-105.pdf?formNumber=GF-105&formType=Form&formatId=2&language=en)\n\n## 10. Third-party claimant and release bond\n\nA third person claiming the garnished property may be impleaded and ordinarily receives **20 days** to answer the asserted claim and defenses. **C019.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-16/)\n\nThe debtor can seek release of the garnishment by a bond ordinarily set at **1.5 times the debt**, or a lower court-approved amount, with the surety requirements stated in §812.21. The creditor may object to sureties within three days. **C020.**\n\nThat bond procedure is separate from claiming an exemption and does not establish that the frozen funds were nonexempt.\n\n# G2. Deposit-account exemption and ownership gateway\n\n## 11. Wisconsin depository-account exemption\n\nThe official Wisconsin Legislature index currently exposes the substance of §815.18(3)(k): depository accounts are exempt in an **aggregate value of $5,000**, but only to the extent the account is for the debtor’s personal use and is not used as a business account. The integrated official §815.18 body could not be retrieved; the current official snippet and official court forms nevertheless corroborate the same $5,000 amount. **C021–C022.** [Wisconsin Legislative Documents+2](https://docs.legis.wisconsin.gov/?utm_source=chatgpt.com)\n\nThe reproduced definitions provide that:\n\n- “aggregate value” is the sum of the debtor’s equity in the property claimed exempt;\n- a “debtor” is an individual, not a corporation, partnership, association, cooperative, or political body;\n- a “depository account” includes certificates of deposit, demand accounts, NOW accounts, savings, share, time, and similar accounts at listed financial institutions;\n- safe-deposit boxes and their contents are excluded from that definition; and\n- “exempt” means free from a judicial lien and not subject to seizure, sale, or other judicial process. **C021.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/)\n\n### Deposit-account exemption conditions\n\n| Predicate | Result established |\n| --- | --- |\n| Account used personally, not as a business account | Potentially within §815.18(3)(k) |\n| Aggregate debtor equity across qualifying depository accounts ≤ $5,000 | Potentially fully exempt under this branch |\n| Aggregate debtor equity > $5,000 | Only the claimed exempt portion is protected under this branch; other exemptions may also apply |\n| Corporate or business entity account | Not within the reproduced individual-debtor exemption |\n| Safe-deposit-box contents | Not a “depository account”; also not treated as bank possession/control under §812.19(5) |\n| Joint account | Only the debtor’s actual interest is subject under §812.18; title and ownership require separate analysis |\n| Consumer-credit judgment | Debtor may need to elect between §425.106 exemptions and §815.18 exemptions rather than stack both sets |\n\nNo indexing or inflation-adjustment mechanism for the $5,000 amount was located in the reproduced §815.18 text or current official forms. Because the current integrated body remains unread, this is a bounded finding rather than a categorical conclusion that no future adjustment mechanism exists.\n\n## 12. Exemption must generally be claimed\n\nThe reproduced §815.18 procedure says that a debtor must affirmatively claim an exemption or select the specific property to which it applies. The claim may be made at seizure or within a reasonable time afterward, but must be made before disposition by sale or court order. The debtor or a person acting on the debtor’s behalf may make the claim orally or in writing to the creditor, creditor’s attorney, or officer seeking the judicial lien. Failure to comply can waive the exemption; a prejudgment contractual waiver is void. **C023.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/)\n\nFor a non-earnings garnishment, the official debtor-answer forms provide the practical written route. The bank’s initial hold does not itself waive or decide the exemption.\n\n## 13. Partial exemption, spouses, residency, and consumer-credit election\n\nThe reproduced statute provides:\n\n- partially exempt property is divided into exempt and nonexempt portions;\n- each spouse can claim an exemption, subject to the statute’s marital-property and maximum-value rules;\n- a Wisconsin resident uses Wisconsin’s exemptions, while a nonresident is directed to the exemption law of the residence jurisdiction;\n- property traceable to exempt property is **not** exempt unless the statute expressly says so;\n- proceeds from partially exempt property paid to the debtor can retain the specified protection while held as cash or in a depository account; and\n- for an obligation arising from a consumer-credit transaction, the debtor may claim either the §425.106 exemptions or §815.18 exemptions. **C024–C026.** [Justia Law+2](https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/)\n\nThe §425.106 read-aid does not list a general deposit-account dollar exemption. It instead identifies unpaid earnings, certain household property, limited residence equity, and restitution-related property. A real consumer-credit debtor’s election requires complete transaction and asset facts; this report does not select an exemption set. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-425/section-425-106/)\n\n## 14. Deposited wages are not automatically CCPA “earnings”\n\nIn *John O. Melby & Co. Bank v. Anderson*, the Wisconsin Supreme Court held that the federal Consumer Credit Protection Act’s wage-garnishment percentages did not follow wages after the employee received and deposited them into a bank account—even where the funds were directly traceable to payroll. The court confined the federal wage restriction to the ordinary employer-payroll garnishment process. **C027.** [Justia Law](https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html?utm_source=chatgpt.com)\n\nThat does **not** mean deposited wages are always garnishable in full. Wisconsin’s deposit-account exemption and any independently applicable source-based exemption still must be tested. PASS-11’s earnings calculations are not adopted here.\n\n## 15. Joint accounts, liens, setoff, and competing claims\n\nThe state procedure reaches only property belonging to the debtor or the debtor’s actual interest. A garnishee answer must disclose its own setoff, defense, lien, or claim and identify known third-party claimants. A third party may be impleaded and litigate ownership. **C015, C019, C028.** [Justia Law+2](https://law.justia.com/codes/wisconsin/chapter-812/section-812-11/)\n\nThis pass does not establish:\n\n- a fixed percentage ownership rule for every joint account;\n- whether a specific bank setoff has priority;\n- priority among multiple garnishment orders;\n- marital-property ownership;\n- survivorship effects;\n- resulting-trust or agency ownership;\n- tracing of every mixed deposit; or\n- the effect of a contractual bank lien.\n\nThose require actual account agreements, transaction histories, ownership evidence, and separate priority law.\n\n# G3. Federal-benefit bank-review gateway\n\n## 16. Scope of 31 C.F.R. part 212\n\nPart 212 applies to all covered financial institutions and to specifically listed federal benefit payments protected under:\n\n- Social Security and SSI;\n- VA benefit law;\n- Railroad Retirement and Railroad Unemployment Insurance law; and\n- Civil Service Retirement System and Federal Employees Retirement System law.\n\n**C029.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.2)\n\nThe automated protections do not cover every payment made by the federal government. Military retired pay, tax refunds, federal vendor payments, ordinary payroll, and other federal payments require their own classification.\n\n## 17. Definitions that control the automated review\n\nFor part 212:\n\n- an **account holder** is a natural person against whom the order is issued and who appears in the institution’s records as direct or beneficial owner;\n- a **benefit payment** is one of the covered federal benefits deposited by direct deposit with the specified ACH coding;\n- the **lookback period** is the two-month period beginning the day before account review and ending on the corresponding date two months earlier—or the last day of that month if no corresponding date exists; and\n- the **protected amount** is the lesser of the sum of covered benefit payments posted during the lookback period or the balance at account review.\n\n**C030–C032.** [eCFR+2](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3)\n\nA paper benefit check, cash deposit, consumer-initiated transfer from another account, or direct deposit lacking the specified federal coding does not qualify as a “benefit payment” for this automated calculation merely because the money originated from a federal program.\n\n## 18. First review: special federal or child-support notice\n\nBefore taking any other garnishment-related action and no later than two business days after receiving an order, the institution checks whether the order includes the Appendix B **Notice of Right to Garnish Federal Benefits**.\n\n- If the notice is present and properly issued by the United States or a state child-support enforcement agency, the institution follows its ordinary process and does **not** use §§212.5 and 212.6.\n- If the notice is absent, it proceeds to the account review.\n\n**C033.** [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.4)\n\nAppendix B is limited to the federal and state-support authorities identified in the notice. It is not a general certification that every government creditor may bypass the benefit review.\n\n## 19. Account review timing and method\n\nWhere no Appendix B notice applies, the bank must perform account review no later than two business days after receiving:\n\n1. the order; and\n2. enough information to determine whether the debtor is an account holder, if the order did not already provide it.\n\nA creditor can permit a later date for a large batch of orders, and the institution must retain records of that permission. **C034.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.5)\n\nThe review is conducted regardless of:\n\n- commingled nonbenefit funds;\n- a co-owner;\n- multiple beneficiaries or benefit programs;\n- instructions in the garnishment order;\n- the nature of the underlying debt; or\n- the balance, so long as it is above zero at review.\n\nEach account is reviewed separately, and the bank does not trace transfers from one account to another. **C035–C036.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.5)\n\n## 20. No coded payment in lookback\n\nIf the review finds no covered, correctly coded benefit payment in the lookback period, the bank follows its ordinary garnishment procedures and does not establish the automatic protected amount under §212.6. **C037.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.5)\n\nThat result does **not** mean the funds are legally nonexempt. Older benefit deposits, paper checks, transferred benefit funds, or other protected property can remain exempt under underlying federal or state law and may need to be asserted separately.\n\n## 21. Coded benefit found: automatic protected amount\n\nIf a benefit agency deposited a qualifying benefit payment during the lookback period, the institution must immediately calculate and establish the protected amount. The account holder gets full and customary access without having to assert an exemption first, and that calculated amount is conclusively exempt under part 212. **C038–C039.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6)\n\nThe calculation is performed separately for each account:\n\n**Protected amount = lesser of:**\nqualifying coded benefit deposits during the lookback period; or\nbalance when account review is performed.\n\n## 22. Funds above the protected amount\n\nFunds above the federally calculated protected amount are handled under the otherwise applicable garnishment process, including a Wisconsin hold where appropriate. But part 212 expressly preserves the individual’s right to assert a **further federal exemption** for amounts above the protected amount and does not alter the exempt status of funds protected by another federal law. **C040.** [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6)\n\nThus, “not included in the automated protected amount” does not equal “finally garnishable.”\n\n## 23. One review, later deposits, and multiple orders\n\nFor a given garnishment order:\n\n- the bank performs the review once;\n- re-service of the same order does not trigger another review;\n- a new or different order triggers a new review; and\n- the institution does not continually freeze later deposits in response to the old order.\n\n**C041.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6)\n\nThis federal rule does not by itself decide Wisconsin priority between multiple valid orders.\n\n## 24. Garnishment fees\n\nA bank may not charge a garnishment fee against the protected amount. It may charge a fee during the five business days after review if nonbenefit funds are deposited during that period, but the fee cannot exceed the amount of the nonbenefit deposit. **C042.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6)\n\nThe rule does not authorize every fee permitted by a private account agreement; the fee must also be lawful under other applicable law.\n\n## 25. Federal notice to account holder\n\nThe institution sends the federal notice only where:\n\n1. a qualifying benefit payment was deposited during the lookback period;\n2. the balance was above zero and a protected amount was established; and\n3. funds remain above the protected amount.\n\nThe notice must explain, among other things:\n\n- receipt and service date of the order;\n- the account and protected amount;\n- the amount frozen;\n- any fee;\n- covered benefit types;\n- the right to assert further exemptions;\n- the applicable procedure or deadline where known; and\n- creditor information.\n\nIt must be sent within **three business days after account review**. **C043.** [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.7)\n\nAppendix A provides an optional model. Proper use gives the specified notice safe harbor, but the model is not mandatory and is not a Wisconsin exemption form. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20A%20to%20Part%20212)\n\n## 26. Preemption, safe harbor, and records\n\nPart 212 preempts inconsistent state law only to the extent of actual conflict. A state requirement protecting a greater amount is not inconsistent if the bank can comply with both. **C044.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.9)\n\nA financial institution complying in good faith receives specified safe-harbor protections for:\n\n- account activity during the review period;\n- protected or properly frozen amounts;\n- bona fide errors despite reasonable procedures;\n- ordinary clearing adjustments; and\n- honoring the account holder’s post-service written instruction to use protected funds.\n\n**C045.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.10)\n\nFederal banking agencies enforce part 212, and institutions must retain account-activity and response records sufficient to show compliance for at least **two years after receiving the order**. **C046.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.11)\n\n## 27. Underlying federal benefit protections\n\n### Social Security\n\n42 U.S.C. §407 protects Social Security money paid or payable from execution, levy, attachment, garnishment, and other legal process, and requires an express statutory reference to §407 before another law can modify that protection. **C047.** [U.S. Code](https://uscode.house.gov/us/usc/119-124/t42/s407/)\n\n### SSI\n\n42 U.S.C. §1383(d)(1) applies §407 to SSI to the same extent as Title II benefits. **C048.** [U.S. Code](https://uscode.house.gov/us/usc/119-124/t42/s1383/)\n\n### VA benefits\n\n38 U.S.C. §5301 generally protects covered VA payments from creditor claims and legal process before and after receipt, while containing specific United States, tax-levy, purchased-property, assignment, and related exceptions. **C049.** [U.S. Code](https://uscode.house.gov/us/usc/119-124/t38/s5301/)\n\n### Railroad and OPM benefits\n\nPart 212 identifies the Railroad Retirement, Railroad Unemployment, CSRS, and FERS statutes that support automated protection. Those underlying statutory bodies were not separately read in this pass. Their full exceptions, federal-claim rules, tax rules, and program-specific tracing questions remain held. **C050.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.2)\n\n# G4. Fictional workflows and calculations\n\nAll facts below are invented. No actual account, judgment, creditor, bank, benefit, or exemption is evaluated.\n\n## Example 1 — Ordinary unprotected personal funds\n\n**Facts**\n\n- Ordinary private consumer judgment.\n- Bank account balance at implementation: $8,000.\n- No coded federal benefits.\n- Funds are stipulated to be personal-use money.\n- One Wisconsin debtor claims the reproduced §815.18 exemption.\n- No other account or spouse exemption is assumed.\n\n**State calculation**\n\n- Aggregate deposit exemption: $5,000.\n- Potential nonexempt balance under this branch:\n$8,000 − $5,000 = $3,000.\n\n**Conditional result**\n\nThe bank may hold the potentially garnishable amount, but the debtor must affirmatively claim the exemption and the court remains the decision-maker if contested. The $3,000 calculation does not account for another statutory exemption, ownership dispute, lien, setoff, consumer-credit exemption election, or prior order. **C021–C026.**\n\n**Adverse branch:** If the account is used as a business account, the $5,000 personal-use branch may not apply.\n\n**Missing records:** All account statements, other accounts, source of funds, exemption election, ownership, creditor claim, and court order.\n\n## Example 2 — Coded federal benefit deposits; entire balance protected\n\n**Facts**\n\n- Account review: Wednesday, November 18, 2026.\n- Lookback period: Tuesday, November 17 through Thursday, September 17.\n- Qualifying coded benefit deposits in that period: $2,400.\n- Balance at review: $1,900.\n- No Appendix B notice.\n\n**Calculation**\n\nProtected amount = min($2,400, $1,900) = $1,900.\n\n**Conditional result**\n\nThe full $1,900 is automatically accessible and cannot be frozen under the ordinary order. Because there are no funds above the protected amount, the federal excess-funds notice is not required. **C030–C039.**\n\n**Missing facts:** Actual ACH codes, order, account-holder identity, bank review time, and any post-review transactions.\n\n## Example 3 — Coded benefits plus $500 excess\n\nThis mirrors the structure of Appendix C’s official example.\n\n**Facts**\n\n- Review date: Wednesday, December 2, 2026.\n- Lookback: Tuesday, December 1 through Thursday, October 1.\n- Coded benefits: $4,500.\n- Balance at review: $5,000.\n\n**Calculation**\n\n- Protected: min($4,500, $5,000) = $4,500.\n- Excess: $5,000 − $4,500 = $500.\n\n**Conditional result**\n\nThe bank preserves access to $4,500, may freeze the $500 under otherwise applicable state procedure, and must issue the federal notice within three business days after review. The $500 may still be subject to another federal or Wisconsin exemption. **C038–C043.** [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20C%20to%20Part%20212)\n\n## Example 4 — Older benefit funds outside the automated lookback\n\n**Facts**\n\n- Account contains $3,200 traceable to Social Security deposited more than two months before review.\n- No qualifying coded benefit deposit occurred in the federal lookback period.\n- No Appendix B notice.\n\n**Result**\n\nThe bank does not establish an automatic protected amount under §212.6. It follows ordinary garnishment procedures. But §212.8 and 42 U.S.C. §407 preserve the possibility of a broader federal exemption for the older funds. The account holder may need to claim and trace them in the Wisconsin proceeding. **C037, C040, C047.**\n\n**Adverse branch:** If the funds were spent, transferred through multiple accounts, commingled beyond provable tracing, or converted into other property, the exemption analysis may change.\n\n## Example 5 — Benefit paid by paper check\n\n**Facts**\n\n- A $1,500 Social Security check is deposited manually.\n- The deposit lacks the ACH coding required by part 212.\n- Account balance at review: $1,700.\n\n**Result**\n\nThe manual deposit does not qualify as a part 212 “benefit payment” for the automatic review. Nevertheless, §407 may still protect identifiable benefit funds. The bank’s automated system and the court’s underlying exemption decision are separate. **C030, C037, C047.**\n\n**Missing records:** Check image, source, deposit date, transaction history, commingling, and exemption claim.\n\n## Example 6 — Wages deposited before bank garnishment\n\n**Facts**\n\n- Employer paid wages to the debtor.\n- Debtor deposited the paycheck into a checking account.\n- Bank later received a non-earnings garnishment.\n- No federal benefit deposits.\n\n**Result**\n\nThe federal CCPA earnings percentage does not automatically follow the wages into the bank account. The account must instead be tested under the Wisconsin deposit-account exemption and any other applicable source-specific protection. **C027.** [Justia Law](https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html?utm_source=chatgpt.com)\n\n**Adverse branch:** A Wisconsin exemption may still protect some or all funds; this result does not make every deposited wage dollar garnishable.\n\n## Example 7 — Joint account and nondebtor ownership claim\n\n**Facts**\n\n- Joint account balance: $9,000.\n- Order names only Debtor A.\n- Co-owner B claims that $7,000 belongs exclusively to B.\n- Coded benefits totaling $4,000 for B were deposited during the federal lookback.\n\n**Federal automated review**\n\nPart 212 disregards the existence of the co-owner and the identity of the benefit recipient when calculating the automated protected amount. If the $4,000 coded benefits remain within the balance, the federal review can protect that amount mechanically. **C035–C039.**\n\n**Wisconsin ownership layer**\n\nThe remaining balance is subject only to the extent of A’s actual interest. B’s ownership can be identified in the bank’s answer or litigated through the third-party-claim procedure. **C015, C019, C028.**\n\n**Adverse branch:** Federal mechanical protection does not judicially establish ownership of the unprotected excess.\n\n## Example 8 — Debtor claims Wisconsin deposit exemption\n\n**Facts**\n\n- Bank holds $6,400.\n- Debtor receives the summons and files the official answer within the stated 20-day period.\n- Debtor claims $5,000 under the personal deposit-account exemption.\n- Creditor contests whether the account is used for business.\n\n**Process**\n\n1. Bank discloses the account and exemption claim.\n2. Funds remain held pending disposition.\n3. Creditor can contest through the reply/objection process.\n4. Court decides use, aggregate equity, election, and amount.\n5. Court’s order directs payment or release.\n\n**Conditional arithmetic:** If the exemption applies in full and there are no other accounts, potentially nonexempt funds are $6,400 − $5,000 = $1,400.\n\n**C011–C018, C021–C026.**\n\n## Example 9 — Garnishee fails to answer\n\n**Facts**\n\n- Bank was properly served and paid the $3 fee.\n- No answer is filed within the reproduced 20-day period.\n\n**Result**\n\nThe bank is exposed to a default judgment measured by the creditor’s underlying judgment and allowable costs, subject to legally sufficient default procedure. The bank’s silence does not prove that it held the debtor’s full judgment amount. **C008, C011, C014.**\n\n**Missing facts:** Service, fee payment, excusable neglect, notice of motion, actual account balance, and any federal protected amount.\n\n## Example 10 — Federal review clock and account-holder notice\n\n**Facts**\n\n- Ordinary garnishment order received Monday, November 2, 2026.\n- Order contains no Appendix B notice.\n- Order includes enough information to identify the account holder.\n- Review occurs Wednesday, November 4.\n- The review establishes protected and excess funds, so notice is required.\n- Assume “business day” means Monday through Friday and no holiday intervenes.\n\n**Modeled federal deadlines**\n\n- Order/Appendix B examination: no later than Wednesday, November 4.\n- Account review: no later than Wednesday, November 4.\n- Three business days after Wednesday review:Thursday, November 5 — day 1Friday, November 6 — day 2Monday, November 9 — day 3\n\n**Modeled notice deadline:** Monday, November 9, 2026.\n\nThe provisions read do not define “business day”; this is an explicit modeling convention, not an individualized deadline. **C033–C034, C043.**\n\n## Example 11 — Two orders and bank setoff claim\n\n**Facts**\n\n- Bank receives Order 1, performs the federal review, and establishes a protected amount.\n- The same Order 1 is served again.\n- Later, a genuinely new Order 2 arrives.\n- Bank also asserts a contractual setoff.\n\n**Federal result**\n\n- No new review for re-service of Order 1.\n- New review for Order 2.\n- No continuing freeze of future deposits under Order 1 alone. **C041.**\n\n**Wisconsin result**\n\nThe bank discloses its setoff and competing-order facts in its answer. Priority, setoff validity, and ownership require separate adjudication. **C011, C028.**\n\n## Example 12 — United States or child-support Appendix B order\n\n**Facts**\n\n- A federal agency or state child-support enforcement agency attaches the exact Appendix B notice on official letterhead.\n- The notice identifies qualifying statutory authority.\n\n**Result**\n\nThe bank does not apply §§212.5 and 212.6 and instead follows the order and otherwise applicable law. This does not mean every federal benefit is substantively reachable under every federal or support order; the authority and benefit-specific exception still matter. **C033, C050.** [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20B%20to%20Part%20212)\n\n# G5. Old-to-new disposition, opportunities, and remaining boundaries\n\n## 28. PASS-08 D5 crosswalk\n\n| Prior reviewed row | PASS-13 disposition | Status |\n| --- | --- | --- |\n| **P08 D5: “Earnings and non-earnings garnishment — Mechanisms and exemptions deferred.”** | Ordinary consumer-judgment **non-earnings garnishment of deposit accounts** is now researched in PASS-13 | Separately reviewable; not retroactively accepted in P08 |\n| Earnings component | Remains in saved PASS-11, which is unreviewed | No PASS-11 conclusion adopted |\n| P08 D6 execution levy, sheriff sale, and priority | Remains deferred | No general execution procedure completed |\n| P08 D7 complete property-exemption schedule | Remains deferred except the narrow deposit and benefit crossovers addressed here | No homestead or full asset schedule |\n| P10 correction resolution | Preserved | Does not certify current chapter 812 or §815.18 |\n| Credit reporting, identity theft, medical, and provider-access reports | Remain separate | No cross-adoption |\n\n## 29. Evidence-backed article and tool opportunities\n\n### A. Wisconsin bank-garnishment process map\n\nA safe article can distinguish:\n\n- filing a separate garnishment action;\n- bank implementation and answer;\n- debtor answer and exemption claim;\n- creditor reply or objection;\n- third-party ownership claim;\n- court disposition; and\n- actual release or payment order.\n\n### B. Deposit-account exemption checklist\n\nA checklist should ask:\n\n- Wisconsin residency;\n- personal versus business use;\n- all deposit accounts and aggregate equity;\n- spouse or co-owner interests;\n- source-specific exemptions;\n- consumer-credit exemption election;\n- judgment creditor’s lien or purchase-money claim;\n- setoff or other bank lien; and\n- whether the exemption was timely claimed.\n\n### C. Federal benefit protected-amount calculator\n\nA conditional tool can accept:\n\n- account-review date;\n- qualifying coded deposits during the statutory lookback;\n- account balance at review;\n- whether an Appendix B notice accompanied the order; and\n- whether a new or previously reviewed order is involved.\n\nIts output should show:\n\nprotected amount = min(qualifying coded deposits, review-time balance)\n\nIt must separately warn that older, paper-check, transferred, or excess benefit funds may retain a legal exemption outside the automated amount.\n\n### D. Clock checklist\n\nA procedural checklist can display, without calculating a real case:\n\n- Wisconsin 60-day commencement/service limit;\n- 10-day debtor-service sequence;\n- 20-day garnishee answer;\n- 20-day debtor answer;\n- 20-day creditor reply to garnishee answer;\n- Wisconsin financial-institution implementation ceiling;\n- federal two-business-day Appendix B/account review;\n- federal three-business-day notice; and\n- two-year federal record retention.\n\nNo tool, form, package, calculator, or publication was built or approved in this pass.\n\n# Source register — S_WI-P13-S001 onward\n\nAll fresh accesses occurred October 26, 2026 Pacific / October 27, 2026 UTC. Exact per-resource clock times are unavailable.\n\n| Source ID | Issuer / title / complete literal URL | Exact pinpoint, edition, and status | Actual body read / limitation |\n| --- | --- | --- | --- |\n| **S_WI-P13-S001** | Wisconsin Legislature, **Chapter 812—Garnishment**, official PDF endpoint. https://docs.legis.wisconsin.gov/document/statutes/ch.%20812.pdf | Official search identifies 11 pages, updated Aug. 5, 2026 | Bounded fresh attempt failed/timed out. Search/index only; no body read. [Wisconsin Legislative Documents](https://docs.legis.wisconsin.gov/document/statutes/ch.%20812.pdf?utm_source=chatgpt.com) |\n| **S002** | Nonofficial 2025 read-aid, **Wis. Stat. §812.01—Garnishment actions**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-01/ | Complete section | Fresh complete read; expressly nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-01/) |\n| **S003** | Nonofficial 2025 read-aid, **§812.02—When garnishment action may be commenced**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-02/ | §812.02(1)–(2) | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-02/) |\n| **S004** | Nonofficial 2025 read-aid, **§812.04—Garnishee summons**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-04/ | §812.04(1)–(3) | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-04/) |\n| **S005** | Nonofficial 2025 read-aid, **§812.05—Garnishee complaint**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-05/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-05/) |\n| **S006** | Nonofficial 2025 read-aid, **§812.06—Garnishee fee**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-06/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-06/) |\n| **S007** | Nonofficial 2025 read-aid, **§812.07—Service on garnishee and principal defendant**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-07/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-07/) |\n| **S008** | Nonofficial 2025 read-aid, **§812.11—Answer by garnishee**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-11/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-11/) |\n| **S009** | Nonofficial 2025 read-aid, **§812.13—Payment by garnishee**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-13/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-13/) |\n| **S010** | Nonofficial 2025 read-aid, **§812.14—Reply to garnishee answer**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-14/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-14/) |\n| **S011** | Nonofficial 2025 read-aid, **§812.15—Answer by principal defendant**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-15/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-15/) |\n| **S012** | Nonofficial 2025 read-aid, **§812.16—Trial and judgment**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-16/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-16/) |\n| **S013** | Nonofficial 2025 read-aid, **§812.17—Third-party claimants**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-17/ | Complete section | Fresh complete read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-16/) |\n| **S014** | Nonofficial 2025 read-aid, **§812.18—Liability of garnishee**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-18/ | §812.18(1), (3) | Fresh relevant body read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-18/) |\n| **S015** | Nonofficial 2025 read-aid, **§812.19—Financial-institution timing and exclusions**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-19/ | §812.19(1), (4)–(7) | Fresh relevant body read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-812/section-812-19/) |\n| **S016** | Nonofficial 2025 read-aid, **§812.20—Stay of debtor action against garnishee**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-20/ | Complete section | Fresh complete read; nonofficial. |\n| **S017** | Nonofficial 2025 read-aid, **§812.21—Bond to release garnishment**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-21/ | Complete section | Fresh complete read; nonofficial. |\n| **S018** | Nonofficial 2025 read-aid, **§812.22—Costs**. https://law.justia.com/codes/wisconsin/chapter-812/section-812-22/ | Complete section | Fresh complete read; nonofficial. |\n| **S019** | Wisconsin Court System, **CV-301—Summons and Complaint Non-Earnings Garnishment**. https://www.wicourts.gov/formdisplay/CV-301.pdf?formNumber=CV-301&formType=Form&formatId=2&language=en | Rev. 12/22; printed pp.1–2 / zero indexes 0–1 | Full text and both page images inspected. [Wisconsin Court System+1](https://www.wicourts.gov/formdisplay/CV-301.pdf?formNumber=CV-301&formType=Form&formatId=2&language=en) |\n| **S020** | Wisconsin Court System, **CV-302—Garnishee Answer Non-Earnings Garnishment**. https://www.wicourts.gov/formdisplay/CV-302.pdf?formNumber=CV-302&formType=Form&formatId=2&language=en | Rev. 06/22; printed p.1 / zero 0 | Full text and image inspected. [Wisconsin Court System](https://www.wicourts.gov/formdisplay/CV-302.pdf?formNumber=CV-302&formType=Form&formatId=2&language=en) |\n| **S021** | Wisconsin Court System, **CV-303—Debtor’s Answer Non-Earnings Garnishment**. https://www.wicourts.gov/formdisplay/CV-303.pdf?formNumber=CV-303&formType=Form&formatId=2&language=en | Rev. 11/19; printed p.1 / zero 0 | Full text and image inspected. [Wisconsin Court System](https://www.wicourts.gov/formdisplay/CV-303.pdf?formNumber=CV-303&formType=Form&formatId=2&language=en) |\n| **S022** | Wisconsin Court System, **GF-105—Non-Earnings Garnishment Order to Garnishee / Release of Garnishee**. https://www.wicourts.gov/formdisplay/GF-105.pdf?formNumber=GF-105&formType=Form&formatId=2&language=en | Rev. 05/16; printed p.1 / zero 0 | Full text and image inspected; court-order form, not statute. [Wisconsin Court System](https://www.wicourts.gov/formdisplay/GF-105.pdf?formNumber=GF-105&formType=Form&formatId=2&language=en) |\n| **S023** | Wisconsin Court System, **SC-6071V—Basic Steps for Handling a Small Claims Non-Earnings Garnishment**. https://www.wicourts.gov/formdisplay/SC-6071V_instructions.pdf?formNumber=SC-6071V&formType=Instructions&formatId=2&language=en | Rev. 11/19; printed pp.1–3 / zero 0–2 | Full text read; all three page images inspected. [Wisconsin Court System+2](https://www.wicourts.gov/formdisplay/SC-6071V_instructions.pdf?formNumber=SC-6071V&formType=Instructions&formatId=2&language=en) |\n| **S024** | Wisconsin Court System, **SC-301—Small Claims Summons and Complaint Non-Earnings Garnishment**. https://www.wicourts.gov/formdisplay/SC-301.pdf?formNumber=SC-301&formType=Form&formatId=2&language=en | Rev. 04/23; printed p.1 / zero 0 inspected | Partial visual read sufficient for commencement/answer fields; not full local procedure. [Wisconsin Court System](https://www.wicourts.gov/formdisplay/SC-301.pdf?formNumber=SC-301&formType=Form&formatId=2&language=en) |\n| **S025** | Wisconsin Court System, **SC-303—Small Claims Debtor’s Answer Non-Earnings Garnishment**. https://www.wicourts.gov/formdisplay/SC-303.pdf?formNumber=SC-303&formType=Form&formatId=2&language=en | Rev. 11/19; printed pp.1–2 / zero 0–1 | Full text and both images inspected. [Wisconsin Court System+1](https://www.wicourts.gov/formdisplay/SC-303.pdf?formNumber=SC-303&formType=Form&formatId=2&language=en) |\n| **S026** | Wisconsin Court System, **Civil Garnishment Forms Index**. https://www.wicourts.gov/forms1/circuit/ccform.jsp?Category=15&FormName=&FormNumber=&StatuteCite=&SubCat=Garnishments&beg_date=&end_date= | Current public index listing CV-301–304 and GF-105 revisions | Fresh official index read; no form submission. [Wisconsin Court System](https://www.wicourts.gov/forms1/circuit/ccform.jsp?Category=15&FormName=&FormNumber=&StatuteCite=&SubCat=Garnishments&beg_date=&end_date=&utm_source=chatgpt.com) |\n| **S027** | Wisconsin Court System, **Clerk of Circuit Court Forms Index**. https://www.wicourts.gov/forms1/ccformsindex.pdf | Relevant entries printed p.9 / zero 8 and p.48 / zero 47 | Relevant text read; complete 54-page visual audit not performed. [Wisconsin Court System](https://www.wicourts.gov/forms1/ccformsindex.pdf?utm_source=chatgpt.com) |\n| **S028** | Wisconsin Legislature, **official §815.18 deposit-account index/snippet**. https://docs.legis.wisconsin.gov/statutes/statutes/815/18/3/j/6/b?down=1 | Search body exposes §815.18(3)(k), $5,000 personal-use account exemption | Fresh official snippet read; full body timed out. [Wisconsin Legislative Documents](https://docs.legis.wisconsin.gov/?utm_source=chatgpt.com) |\n| **S029** | Nonofficial 2025 read-aid, **Wis. Stat. §815.18—Property exempt from execution**. https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/ | Definitions; (3)(ds), (k), (n); (4)–(13) | Fresh relevant body read; nonofficial and current-body hold preserved. [Justia Law+2](https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/) |\n| **S030** | Nonofficial 2025 read-aid, **Wis. Stat. §425.106—Consumer-transaction exempt property**. https://law.justia.com/codes/wisconsin/chapter-425/section-425-106/ | §425.106(1)–(4) | Fresh complete body read; nonofficial. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-425/section-425-106/) |\n| **S031** | Wisconsin Supreme Court opinion reproduction, ***John O. Melby & Co. Bank v. Anderson*, 88 Wis. 2d 252 (1979)**. https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html | Full published opinion text; deposited-wage CCPA issue | Fresh full opinion reproduction read; not official Wisconsin Court System host. [Justia Law](https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html?utm_source=chatgpt.com) |\n| **S032** | eCFR, **31 C.F.R. §212.2—Scope**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.2 | §§212.2(a)–(b); Title 31 current Oct. 23, 2026 | Fresh complete body read. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.2) |\n| **S033** | eCFR, **§212.3—Definitions**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3 | Account, holder, benefit payment, order, lookback, protected amount | Fresh complete relevant body read. [eCFR+2](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3) |\n| **S034** | eCFR, **§212.4—Initial action on receipt**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.4 | §§212.4(a)–(c) | Fresh complete body read. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.4) |\n| **S035** | eCFR, **§212.5—Account review**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.5 | §§212.5(a)–(f) | Fresh complete body read. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.5) |\n| **S036** | eCFR, **§212.6—Protection procedures**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6 | §§212.6(a)–(h) | Fresh complete body read. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6) |\n| **S037** | eCFR, **§212.7—Notice to account holder**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.7 | §§212.7(a)–(h) | Fresh complete body read. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.7) |\n| **S038** | eCFR, **§212.8—Other rights and authorities**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.8 | §§212.8(a)–(b) | Fresh complete body read. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.8) |\n| **S039** | eCFR, **§212.9—Preemption**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.9 | §§212.9(a)–(b) | Fresh complete body read. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.9) |\n| **S040** | eCFR, **§212.10—Safe harbor**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.10 | §§212.10(a)–(d) | Fresh complete body read. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.10) |\n| **S041** | eCFR, **§212.11—Compliance and retention**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.11 | §§212.11(a)–(b) | Fresh complete body read. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.11) |\n| **S042** | eCFR, **Appendix A—Model account-holder notice**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20A%20to%20Part%20212 | Model and safe-harbor preface | Fresh body read; no form used. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20A%20to%20Part%20212) |\n| **S043** | eCFR, **Appendix B—Notice of Right to Garnish Federal Benefits**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20B%20to%20Part%20212 | Complete notice and qualifying authorities | Fresh complete body read. [eCFR](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20B%20to%20Part%20212) |\n| **S044** | eCFR, **Appendix C—Lookback and protected-amount examples**. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20C%20to%20Part%20212 | Examples 1–5 | Fresh complete relevant body read. [eCFR+1](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20C%20to%20Part%20212) |\n| **S045** | U.S. House OLRC, **42 U.S.C. §407—Assignment of benefits**. https://uscode.house.gov/us/usc/119-124/t42/s407/ | §§407(a)–(c); through Pub. L. 119-124, Oct. 15, 2026 | Fresh complete body read. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t42/s407/) |\n| **S046** | U.S. House OLRC, **42 U.S.C. §1383—SSI procedure**. https://uscode.house.gov/us/usc/119-124/t42/s1383/ | §1383(d)(1) applying §407 | Fresh relevant body read. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t42/s1383/) |\n| **S047** | U.S. House OLRC, **38 U.S.C. §5301—VA benefit exemption**. https://uscode.house.gov/us/usc/119-124/t38/s5301/ | §5301(a)–(d); through Pub. L. 119-124 | Fresh relevant body read. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t38/s5301/) |\n\n**Source-register count: 47.**\n\n# Atomic claim register — S_WI-P13-C001 onward\n\n| Claim | A066 | Actor / predicate | Required act, clock, or effect | Primary pinpoint | Exception / retained hold |\n| --- | --- | --- | --- | --- | --- |\n| **C001** | Open | Wisconsin chapter 812 currentness | Official full current chapter body was not rendered | S001 | Read-aid conclusions remain currentness-qualified |\n| **C002** | Open | Creditor / garnishee / debtor | Non-earnings garnishment is a separate civil action | S002 §812.01 | General civil rules otherwise apply |\n| **C003** | Open | Individual or entity plaintiff | Individual may act personally; other plaintiff requires Wisconsin attorney | S002 | Actual representation excluded |\n| **C004** | Open | Judgment creditor | Ordinary postjudgment branch requires issuable in-personam judgment execution | S003 §812.02 | Judgment validity/enforceability held |\n| **C005** | Open | Creditor complaint | Must state judgment, amount, claim, garnishee belief, and nonexemption belief | S005 §812.05 | Allegations do not prove facts |\n| **C006** | Open | Clerk / creditor | File summons and complaint; serve defendant within reproduced 60-day period | S004 §812.04 | Local fee/e-filing held |\n| **C007** | Open | Creditor | Serve debtor no later than 10 days after garnishee service | S007 §812.07 | General service law/local practice held |\n| **C008** | Open | Creditor / garnishee | Creditor pays $3 garnishee fee; no answer required before payment | S006 §812.06 | Current body held |\n| **C009** | Open | Financial institution | Implement when first reasonably able, no later than reproduced second-business-day ceiling | S015 §812.19(4) | Wisconsin business-day definition held |\n| **C010** | Open | Financial institution | No liability for property leaving before implementation in permitted interval; safe-deposit contents excluded | S015 §812.19(4)–(5) | Fraudulent-transfer issues separate |\n| **C011** | Open | Garnishee | Answer within 20 days excluding service day; disclose debts, property, liens, setoffs, claims, exemptions | S008 §812.11 | Actual response facts excluded |\n| **C012** | Open | Debtor | Answer within 20 days and assert garnishee-equivalent defenses | S011 §812.15 | Local hearing practice held |\n| **C013** | Open | Creditor | Garnishee answer taken true unless reply within 20 days after receipt | S010 §812.14 | Debtor-answer objection deadline not fully verified |\n| **C014** | Open | Nonanswering garnishee | Exposed to judgment measured by underlying judgment plus costs | S004; S019 | Judicial default process required |\n| **C015** | Open | Garnishee | Liability reaches debtor property or interest and debts due/to become due, capped by claim | S014 §812.18(1) | Exempt and special property excluded |\n| **C016** | Open | Debtor / court | Excess released; insufficient property held; debtor may petition to release unnecessary property | S014 §812.18(3) | Court order/facts needed |\n| **C017** | Open | Garnishee / creditor / clerk | Garnishee may pay clerk; written creditor request triggers reproduced 5-day payment rule | S009 §812.13 | Funds not yet due handled when due |\n| **C018** | Open | Court | Court order can direct payment or release | S012; S022 | Form is not independent current statute |\n| **C019** | Open | Third-party claimant | May be impleaded and ordinarily answer within 20 days | S013 §812.17 | Ownership merits held |\n| **C020** | Open | Debtor | Release bond ordinarily 1.5× debt or lower court amount; surety objection in 3 days | S017 §812.21 | Surety/local procedure held |\n| **C021** | Open | Individual debtor | Depository account includes listed account types; aggregate value is debtor equity | S029 §815.18(2) | Current body unavailable |\n| **C022** | Open | Personal-use account | Aggregate $5,000 deposit exemption; business account excluded | S028; S029 §815.18(3)(k) | No current integrated-body certification |\n| **C023** | Open | Debtor or representative | Exemption must generally be affirmatively claimed before disposition | S029 §815.18(6) | Enumerated exceptions to claim procedure |\n| **C024** | Open | Resident/nonresident/spouses | Residency and spouse rules affect exemption availability/combination | S029 §815.18(5),(8) | Ownership and marital law held |\n| **C025** | Open | Partially exempt property | Exempt portion set apart; nonexempt portion remains subject | S029 §815.18(9) | Valuation factual |\n| **C026** | Open | Consumer-credit debtor | Elect §425.106 or §815.18 exemptions | S029 §815.18(11); S030 | Cannot stack automatically |\n| **C027** | Open | Deposited wage funds | Federal CCPA payroll percentage does not automatically follow wages into bank account | S031 | State/source exemptions remain |\n| **C028** | Open | Joint account / bank | Bank discloses debtor interest, lien, setoff, and other claimants; court resolves contest | S008, S013–S014 | No universal joint-account percentage |\n| **C029** | Open | Financial institution / covered benefits | Part 212 applies to listed institutions and benefit programs | S032 §212.2 | Not all federal payments covered |\n| **C030** | Open | Account holder / bank | “Benefit payment” requires covered direct deposit with specified ACH coding | S033 §212.3 | Paper checks/transfers not automated benefits |\n| **C031** | Open | Bank | Lookback is two months preceding review under corresponding-date rule | S033 §212.3 | Exact review date required |\n| **C032** | Open | Bank | Protected amount is lesser of coded deposits and review-time balance | S033 §212.3 | Separate per account |\n| **C033** | Open | Bank / US or child-support agency | Within 2 business days inspect for Appendix B notice; if present, skip §§212.5-.6 | S034; S043 | Underlying authority still controls |\n| **C034** | Open | Bank | Account review within 2 business days after order and sufficient holder information | S035 §212.5(a) | Large-batch permitted-later branch |\n| **C035** | Open | Bank | Review ignores commingling, co-owner, benefit recipient/program, order instruction, and debt type | S035 §212.5(d) | Does not decide ownership of excess |\n| **C036** | Open | Bank | Review each account separately; do not trace transfers across accounts | S035 §212.5(f) | Underlying exemption claimant may trace separately |\n| **C037** | Open | Account with no coded lookback deposit | Bank uses ordinary procedures; no automated §212.6 protection | S035 §212.5(b) | Other exemptions preserved |\n| **C038** | Open | Account with coded benefit | Bank immediately establishes protected amount and gives full access | S036 §212.6(a) | No claimant filing needed |\n| **C039** | Open | Protected amount | Calculated amount conclusively exempt under part 212 | S036 §212.6(c) | Underlying benefit law may protect more |\n| **C040** | Open | Excess funds | Ordinary procedure applies, but further federal exemptions remain assertable | S036 §212.6(d); S038 §212.8 | Court process may be necessary |\n| **C041** | Open | Same/new orders | One review per order; new order gets new review; no future-deposit freeze under old order | S036 §212.6(f)–(g) | State priority held |\n| **C042** | Open | Financial institution | Garnishment fee cannot consume protected amount; narrow 5-day nonbenefit-deposit rule | S036 §212.6(h) | Other fee law applies |\n| **C043** | Open | Bank / account holder | Notice required only with protected plus excess funds; send within 3 business days | S037 §212.7 | Business-day definition not supplied |\n| **C044** | Open | Federal/state interaction | Inconsistent state law preempted; compatible greater protection preserved | S039 §212.9 | Full state interaction factual |\n| **C045** | Open | Compliant financial institution | Good-faith safe harbors cover specified review/freeze/error situations | S040 §212.10 | Not immunity outside rule |\n| **C046** | Open | Bank / regulators | Federal banking agencies enforce; retain compliance records at least 2 years | S041 §212.11 | Private remedies not researched |\n| **C047** | Open | Social Security funds | §407 protects money paid/payable and requires express statutory modification | S045 §407(a)–(b) | Tax withholding exception and specific laws |\n| **C048** | Open | SSI funds | §1383(d)(1) applies §407 protection | S046 | Actual benefit classification needed |\n| **C049** | Open | VA funds | §5301 generally protects before/after receipt with enumerated exceptions | S047 §5301(a)–(d) | Taxes/US claims/property exceptions |\n| **C050** | Open | RRB/OPM/military benefits | Part 212 coverage verified for RRB/OPM; full underlying statutes and military programs not read | S032 | Separate program pass |\n| **C051** | Open | Debtor / creditor | Exemption or release does not invalidate debt or judgment | Sources above | Merits and satisfaction separate |\n| **C052** | Open | Forms user | Official forms and guides are informational/procedural, not current statutory substitutes | S019–S027 | County rules remain |\n| **C053** | Open | Tool/article designer | Any tool must separate state claim, federal automation, ownership, and court decision | C001–C052 | No build/publication approval |\n\n**Atomic-claim count: 53.**\n\n# Complete granular coverage table\n\n| # | Requested subissue | Status | Claims | Evidence | Exact remaining body/fact or next action |\n| --- | --- | --- | --- | --- | --- |\n| 1 | Current chapter 812 body | Unresolved | C001 | S001 | Obtain operative official chapter body |\n| 2 | Non-earnings versus earnings | Answered at gateway | C002 | S002 | PASS-11 not adopted |\n| 3 | Separate civil action | Answered | C002 | S002 | Actual filing excluded |\n| 4 | Creditor actor | Answered | C003–C005 | S002, S005 | Ownership/assignment facts |\n| 5 | Debtor actor | Answered | C002, C012 | S002, S011 | Actual service/answer |\n| 6 | Financial institution garnishee | Answered | C009–C011 | S008, S015 | Actual bank excluded |\n| 7 | Nondebtor spouse | Partial | C004 | S003 | Marital-property law |\n| 8 | Third-party claimant | Answered procedurally | C019 | S013 | Ownership merits |\n| 9 | Debtor representative | Answered exemption gateway | C023 | S029 | Authority facts |\n| 10 | Clerk role | Answered | C006, C017–C018 | S004, S009, S022 | Local process |\n| 11 | Court role | Answered | C012–C020 | S010–S018 | Actual hearing |\n| 12 | Sheriff/private server | Partial/guidance | C007, C052 | S023 | Chapter 801/local service |\n| 13 | Postjudgment prerequisite | Answered with hold | C004 | S003 | Current judgment enforceability |\n| 14 | Execution-issuable predicate | Answered | C004 | S003 | P08/P10 not rerun |\n| 15 | Complaint judgment allegations | Answered | C005 | S005 | Accuracy untested |\n| 16 | Complaint claimed amount | Answered | C005 | S005 | Actual ledger excluded |\n| 17 | Complaint nonexemption allegation | Answered | C005 | S005 | Does not decide exemption |\n| 18 | Separate affidavit requirement | Not established generally | C005 | S005, S019 | County/special procedure |\n| 19 | Clerk issuance/fee | Answered generally | C006 | S004 | Current/local fee |\n| 20 | Filing commencement | Answered | C006 | S004 | Actual e-filing excluded |\n| 21 | 60-day service period | Answered from read-aid | C006 | S004 | Current official body held |\n| 22 | Garnishee service | Answered generally | C007 | S007 | Chapter 801/local rules |\n| 23 | Debtor service within 10 days | Answered | C007 | S007 | Actual service date |\n| 24 | Dismissal for missed debtor service | Answered textually | C007 | S007 | Court application factual |\n| 25 | $3 garnishee fee | Answered | C008 | S006 | Current body held |\n| 26 | Bank implementation outer time | Answered with currentness hold | C009 | S015 | Wisconsin business-day rule |\n| 27 | Funds leaving before implementation | Answered | C010 | S015 | Fraud/transfer issues |\n| 28 | Safe-deposit contents | Answered | C010, C021 | S015, S029 | Separate property execution |\n| 29 | Garnishee 20-day answer | Answered | C011 | S008 | Actual service |\n| 30 | Answer debt/property content | Answered | C011 | S008, S020 | Actual records |\n| 31 | Garnishee lien/setoff disclosure | Answered | C011, C028 | S008 | Priority merits |\n| 32 | Known exemption disclosure | Answered | C011 | S008 | Not final determination |\n| 33 | Other claimant disclosure | Answered | C011, C019 | S008, S013 | Third-party proof |\n| 34 | Debtor 20-day answer | Answered | C012 | S011, S021/S025 | Actual service |\n| 35 | Debtor exemption claim | Answered | C012, C023 | S011, S021/S025 | Proof and election |\n| 36 | Creditor reply to garnishee answer | Answered | C013 | S010 | Actual receipt |\n| 37 | Creditor objection to debtor answer | Partial/form supported | C013, C052 | S026–S027 | Exact current statutory deadline |\n| 38 | Court trial/hearing | Answered generally | C012–C019 | S010–S013 | Local scheduling |\n| 39 | Garnishee default exposure | Answered conditionally | C014 | S004, S019 | Motion/default notice |\n| 40 | Debtor-property-only limitation | Answered | C015 | S014 | Ownership evidence |\n| 41 | Claim cap | Answered | C015 | S014 | Actual judgment amount |\n| 42 | Excess property release | Answered | C016 | S014 | Account/property facts |\n| 43 | Debtor petition to release excess | Answered | C016 | S014 | Notice/local procedure |\n| 44 | Voluntary payment to clerk | Answered | C017 | S009 | Actual answer/debt due |\n| 45 | Creditor written-request 5-day rule | Answered | C017 | S009 | Receipt and due-date facts |\n| 46 | Court order to pay/release | Answered | C018 | S012, S022 | Local order |\n| 47 | Third-party impleader | Answered | C019 | S013 | Service/claim merits |\n| 48 | Release bond | Answered conditionally | C020 | S017 | Sureties and court amount |\n| 49 | Deposit-account definition | Answered with currentness hold | C021 | S029 | Official current body |\n| 50 | Aggregate value definition | Answered | C021 | S029 | Equity evidence |\n| 51 | $5,000 exemption | Answered with source bound | C022 | S028–S029, S021/S025 | Official full body absent |\n| 52 | Personal-use condition | Answered | C022 | S028–S029 | Actual account use |\n| 53 | Business-account exclusion | Answered | C022 | S028–S029 | Mixed-use classification |\n| 54 | Aggregate across accounts | Answered conceptually | C021–C022 | S029 | Complete account list |\n| 55 | Adjustment/indexing | No mechanism located; currentness held | C022 | S028–S029 | Official current body |\n| 56 | Affirmative exemption claim | Answered | C023 | S029 | Actual communication |\n| 57 | Claim before disposition | Answered | C023 | S029 | Court-disposition date |\n| 58 | Contractual prejudgment waiver | Answered as void in read-aid | C023 | S029 | Current body |\n| 59 | Partial exemption procedure | Answered | C025 | S029 | Valuation |\n| 60 | Spousal exemptions | Partial | C024 | S029 | Marital property/ownership |\n| 61 | Resident/nonresident exemption law | Answered textually | C024 | S029 | Actual domicile |\n| 62 | General tracing rule | Answered | C024–C025 | S029 | Source-specific express exceptions |\n| 63 | Consumer-credit election | Answered | C026 | S029–S030 | Underlying transaction |\n| 64 | Deposit exemption under §425.106 | Not found in read body | C026 | S030 | Other greater protection may exist |\n| 65 | Wages after deposit | Answered federal boundary | C027 | S031 | Wisconsin exemption still tested |\n| 66 | Joint-account ownership | Unresolved merits | C028 | S008, S013–S014 | Account agreement/contributions |\n| 67 | Bank setoff | Unresolved merits | C011, C028 | S008 | Agreement/priority law |\n| 68 | Competing garnishment orders | Unresolved state priority | C028, C041 | S008, S036 | Separate priority pass |\n| 69 | State funds tracing/commingling | Partial | C024–C028 | S029, S031 | Specific source facts |\n| 70 | Part 212 institution scope | Answered | C029 | S032 | Actual institution |\n| 71 | Covered benefit programs | Answered | C029 | S032 | Program-specific exceptions |\n| 72 | Account-holder definition | Answered | C030 | S033 | Actual ownership record |\n| 73 | Coded direct-deposit definition | Answered | C030 | S033 | ACH data |\n| 74 | Paper-check treatment | Answered as outside automated definition | C030, C037 | S033 | Underlying exemption remains |\n| 75 | Transferred benefit funds | Answered as outside inter-account tracing | C036–C040 | S035, S038 | Separate tracing claim |\n| 76 | Lookback formula | Answered | C031 | S033, S044 | Review date |\n| 77 | Protected-amount formula | Answered | C032 | S033, S044 | Deposits/balance |\n| 78 | Appendix B initial review | Answered | C033 | S034, S043 | Qualifying issuer/authority |\n| 79 | Two-business-day Appendix B check | Answered | C033 | S034 | Business-day definition |\n| 80 | Two-business-day account review | Answered | C034 | S035 | Holder information |\n| 81 | Large-batch later-review branch | Answered | C034 | S035 | Creditor permission/records |\n| 82 | Review despite commingling | Answered | C035 | S035 | Ownership of excess separate |\n| 83 | Review despite co-owner | Answered | C035 | S035, S044 | State ownership separate |\n| 84 | Multiple benefits/beneficiaries | Answered | C035 | S035, S044 | No ownership adjudication |\n| 85 | Separate review for each account | Answered | C036 | S035 | Account inventory |\n| 86 | No bank inter-account tracing | Answered | C036 | S035 | Claimant tracing may differ |\n| 87 | No coded payment branch | Answered | C037 | S035 | Other exemptions preserved |\n| 88 | Automatic protected amount | Answered | C038–C039 | S036 | Complete review facts |\n| 89 | No exemption assertion needed | Answered | C038 | S036 | Only calculated amount |\n| 90 | Conclusive part-212 exemption | Answered | C039 | S036 | Greater exemptions separate |\n| 91 | Excess funds state process | Answered | C040 | S036–S038 | Actual exemption claim |\n| 92 | One review per order | Answered | C041 | S036 | New-order identity |\n| 93 | New order/new review | Answered | C041 | S036 | State priority held |\n| 94 | No freeze of later deposits under old order | Answered | C041 | S036 | New order exception |\n| 95 | Protected-amount fee ban | Answered | C042 | S036 | Other fee authority |\n| 96 | Five-business-day fee branch | Answered | C042 | S036 | Nonbenefit deposit amount |\n| 97 | Federal notice trigger | Answered | C043 | S037 | Protected plus excess |\n| 98 | Federal notice content | Answered | C043 | S037 | State additions allowed |\n| 99 | Three-business-day notice | Answered | C043 | S037 | Business-day definition |\n| 100 | Optional federal model notice | Answered | C043 | S042 | Not mandatory |\n| 101 | Additional federal exemption preserved | Answered | C040 | S038 | Claim/tracing required |\n| 102 | State greater-protection rule | Answered | C044 | S039 | Compatibility analysis |\n| 103 | Federal bank safe harbor | Answered | C045 | S040 | Good-faith compliance |\n| 104 | Federal retention period | Answered | C046 | S041 | Actual records excluded |\n| 105 | Social Security protection | Answered | C047 | S045 | Express statutory exceptions |\n| 106 | SSI protection | Answered | C048 | S046 | Actual benefit classification |\n| 107 | VA protection | Answered with exceptions | C049 | S047 | Full program application |\n| 108 | RRB underlying statute | Deferred | C050 | S032 | Read 45 U.S.C. bodies |\n| 109 | OPM underlying statute | Deferred | C050 | S032 | Read 5 U.S.C. bodies |\n| 110 | Military retired pay | Excluded/unresearched | C050 | — | Separate program statute |\n| 111 | Federal/support Appendix B exception | Answered gateway | C033 | S043 | Underlying authority required |\n| 112 | Debt cancellation | Answered negatively as boundary | C051 | Sources above | Merits separate |\n| 113 | Official forms versus statute | Answered | C052 | S019–S027 | Current bodies/local rules |\n| 114 | Article/calculator opportunities | Answered as design boundary | C053 | Claims above | No build/publication |\n\n**Core coverage rows: 114.**\n\n# Territorial and special-branch table\n\n| # | Branch | Status | Claims | Exact boundary |\n| --- | --- | --- | --- | --- |\n| T1 | Wisconsin ordinary circuit-court non-earnings garnishment | Principal component | C001–C028 | Actual case excluded |\n| T2 | Wisconsin small-claims non-earnings garnishment | Addressed through official forms/guidance | C006–C018, C052 | Local return-date and hearing practices vary |\n| T3 | All 72 Wisconsin counties | Not certified | C052 | Local fees, service, e-filing, calendars, and hearings remain |\n| T4 | Federal judgment enforced in Wisconsin | Unexamined | — | Federal Rule 69 and registration |\n| T5 | Foreign-state judgment | Unexamined | — | Domestication before garnishment |\n| T6 | Foreign-country judgment | Unexamined | — | Recognition and enforcement |\n| T7 | Tribal judgment / tribal financial institution | Unexamined | — | Sovereign and tribal law |\n| T8 | Support order | Only Appendix B gateway | C033 | Full support seizure law deferred |\n| T9 | Federal agency order | Only Appendix B gateway | C033 | FDCPA/MVRA/tax-specific authority |\n| T10 | Tax levy | Excluded | — | Federal and Wisconsin tax process |\n| T11 | Bankruptcy | Excluded | — | Stay, discharge, turnover, exemptions |\n| T12 | Restitution / criminal debt | Excluded | — | Special federal and state law |\n\n**Territorial/special rows: 12.**\n\n# Deferred families\n\n| # | Deferred family | Reason |\n| --- | --- | --- |\n| D1 | Earnings garnishment | PASS-11 saved but unreviewed |\n| D2 | General levy and execution against property | P08 D6 remains open |\n| D3 | Full Wisconsin property-exemption schedule | P08 D7 remains open |\n| D4 | Sheriff levy, sale, redemption, and priority | Separate execution pass |\n| D5 | Complete joint-account ownership law | Requires account and contribution facts |\n| D6 | Complete bank setoff and lien priority | Contract and banking law |\n| D7 | Multiple-order priority | Separate state/federal priority analysis |\n| D8 | Federal-benefit tracing litigation | Beyond automated review |\n| D9 | RRB benefit statute and exceptions | Underlying statutes unread |\n| D10 | OPM/CSRS/FERS statutes and exceptions | Underlying statutes unread |\n| D11 | Military retirement and non-VA military benefits | Not covered by part 212 list as such |\n| D12 | Tax and child-support seizure law | Appendix B gateway only |\n| D13 | Federal administrative debt collection | Separate federal regime |\n| D14 | Bankruptcy stay and discharge | Separate component |\n| D15 | Judgment validity, duration, renewal, interest, and satisfaction | P08/P10 not rerun |\n| D16 | Collector licensing and conduct | P02 unreviewed |\n| D17 | Validation and account documentation | P03 unreviewed |\n| D18 | Medical assistance and medical debt | P07 unreviewed |\n| D19 | Credit reporting and identity theft | P04-P06/P09/P12 separate |\n| D20 | Provider fees, settlement contracts, and client funds | P01 unreviewed |\n| D21 | Full private remedies, damages, standing, and limitations | Only procedural consequences addressed |\n| D22 | Local clerk rules and current filing fees | County-specific |\n| D23 | Actual bank agreement, account history, ownership, or benefit record | Private facts excluded |\n| D24 | Current integrated Wisconsin statutes | Chapter 812 and §815.18 body gap |\n| D25 | Complete citator and unpublished orders | Not performed |\n| D26 | Publication, operational approval, Wisconsin parent, or A066 acceptance | Expressly withheld |\n\n**Deferred rows: 26.**\n\n# Workflow inventory\n\n| Workflow | Subject | Main claims |\n| --- | --- | --- |\n| 1 | Ordinary unprotected personal funds and $5,000 claim | C021–C026 |\n| 2 | Entire balance protected by coded benefits | C030–C039 |\n| 3 | Protected amount plus $500 excess | C031–C043 |\n| 4 | Older Social Security funds outside lookback | C037, C040, C047 |\n| 5 | Benefit deposited by paper check | C030, C037, C047 |\n| 6 | Deposited wages | C027 |\n| 7 | Joint account and nondebtor ownership | C015, C019, C028, C035 |\n| 8 | Debtor asserts Wisconsin exemption | C011–C018, C021–C026 |\n| 9 | Garnishee fails to answer | C008, C011, C014 |\n| 10 | Federal review and notice clock | C033–C034, C043 |\n| 11 | Multiple orders and bank setoff | C011, C028, C041 |\n| 12 | United States/support Appendix B order | C033, C050 |\n\n**Workflow count: 12.**\n\n# Final researcher self-check\n\n## Actual fresh reading\n\nFreshly read or inspected:\n\n- the official Wisconsin chapter 812 search/index result and bounded failed chapter-body route;\n- the identified 2025 chapter 812 and §815.18 read-aids;\n- official Wisconsin forms CV-301, CV-302, CV-303, GF-105, SC-301, SC-303, and SC-6071V;\n- the official Wisconsin court forms indexes;\n- the full reproduced *Melby* opinion;\n- current 31 C.F.R. §§212.2–212.11 and Appendices A–C;\n- current 42 U.S.C. §407 and §1383(d)(1); and\n- current 38 U.S.C. §5301.\n\nThe key PDF page images listed in the source register were visually inspected. No form was completed or submitted.\n\n## Currentness and evidence limits\n\n- The official integrated current chapter 812 body was not rendered.\n- The official integrated current §815.18 body was not rendered.\n- The $5,000 amount is supported by an official Legislature snippet and current official court forms, with a reproduced statutory body supplying the surrounding conditions.\n- No commercial citator, comprehensive unpublished-order search, or 72-county survey was performed.\n- No absence conclusion is based solely on a failed source.\n\n## Calculation check\n\nThe numerical examples used only stipulated amounts:\n\n- $8,000 − $5,000 = $3,000;\n- min($2,400, $1,900) = $1,900;\n- min($4,500, $5,000) = $4,500;\n- $5,000 − $4,500 = $500; and\n- $6,400 − $5,000 = $1,400.\n\nNone establishes an actual exemption, bank balance, judgment amount, creditor right, fee, award, or release.\n\n## Calendar check\n\nThe modeled federal dates are correct under the stated Monday-through-Friday/no-holiday convention:\n\n- November 2, 2026 was Monday;\n- November 4 was Wednesday;\n- November 9 was Monday;\n- November 18 was Wednesday;\n- the corresponding lookback endpoints used were September 17 and October 1.\n\nPart 212 did not supply a “business day” definition in the provisions read. The examples are conditional models, not actual deadlines.\n\n## Register reconciliation\n\n| Register | Visible rows |\n| --- | --- |\n| Source register | **47** |\n| Atomic claims | **53** |\n| Core granular coverage | **114** |\n| Territorial/special branches | **12** |\n| Deferred families | **26** |\n| Fictional workflows | **12** |\n| Old-to-new disposition rows | **6** |\n\nSource rows, claim rows, coverage rows, territorial rows, deferred rows, scenarios, and crosswalk rows are counted separately.\n\n## No actions performed\n\nNo named consumer, creditor, collector, bank, employer, benefit recipient, account, judgment, property, county file, court docket, deposit record, benefit record, contract, license, or private case record was searched. No form, exemption claim, garnishment answer, objection, filing, complaint, contact, record request, payment, account action, purchase, API, browser-control action, new chat, subagent, local coordinator file, website change, or publication occurred.\n\nThis is the researcher’s self-check, **not independent review, all-source current-law certification, an individualized exemption opinion, operational approval, publication approval, or acceptance of Wisconsin PASS-13, A066, or the parent dossier**.\n\nEND S_WI PASS-13.\n\n","tables":[{"headers":["Actor","Role in the ordinary Wisconsin non-earnings action","Material limit"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor","Role in the ordinary Wisconsin non-earnings action","Material limit"],["Judgment creditor / plaintiff","Starts the separate garnishment action and alleges the judgment, unpaid amount, and belief that the garnishee owes or holds nonexempt debtor property","Allegation does not establish ownership, nonexemption, valid assignment, or present enforceability"],["Judgment debtor / principal defendant","Receives the summons and complaint, may answer, claim exemptions, dispute ownership, and participate in trial","Silence can create serious procedural consequences, but does not convert a third party’s property into the debtor’s property"],["Financial institution / garnishee","Determines what debtor property or debts it holds, implements the garnishment, answers, identifies setoffs/liens/exemptions/other claimants, and holds or pays funds as directed","The bank does not finally adjudicate a contested exemption or ownership claim merely by freezing funds"],["Nondebtor account co-owner or third-party claimant","May assert ownership or be impleaded into the garnishment proceeding","Joint account title alone does not resolve the debtor’s actual interest"],["Clerk of court","Issues the summons after the filing-fee predicate, receives filings and potentially garnishee payment, and processes court orders","Clerk procedure and fees can vary locally"],["Court","Decides contested answers, ownership, exemptions, setoffs, and disposition; can order payment, release, transfer, delivery, or sale","This pass does not decide merits of any actual account or judgment"],["Creditor’s Wisconsin attorney","Required to commence the action for entities that cannot appear pro se; receives answers and can reply or object","Actual representation and authorization are unsupplied"],["Sheriff or private process server","May serve the summons and complaint under general service rules and court guidance","Local service details remain uncertified"],["Representative acting for debtor","May assert an exemption on the debtor’s behalf under the reproduced exemption procedure","Authority and exact communication remain factual"]]},{"headers":["Predicate","Result established"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Predicate","Result established"],["Account used personally, not as a business account","Potentially within §815.18(3)(k)"],["Aggregate debtor equity across qualifying depository accounts ≤ $5,000","Potentially fully exempt under this branch"],["Aggregate debtor equity > $5,000","Only the claimed exempt portion is protected under this branch; other exemptions may also apply"],["Corporate or business entity account","Not within the reproduced individual-debtor exemption"],["Safe-deposit-box contents","Not a “depository account”; also not treated as bank possession/control under §812.19(5)"],["Joint account","Only the debtor’s actual interest is subject under §812.18; title and ownership require separate analysis"],["Consumer-credit judgment","Debtor may need to elect between §425.106 exemptions and §815.18 exemptions rather than stack both sets"]]},{"headers":["Prior reviewed row","PASS-13 disposition","Status"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Prior reviewed row","PASS-13 disposition","Status"],["P08 D5: “Earnings and non-earnings garnishment — Mechanisms and exemptions deferred.”","Ordinary consumer-judgment non-earnings garnishment of deposit accounts is now researched in PASS-13","Separately reviewable; not retroactively accepted in P08"],["Earnings component","Remains in saved PASS-11, which is unreviewed","No PASS-11 conclusion adopted"],["P08 D6 execution levy, sheriff sale, and priority","Remains deferred","No general execution procedure completed"],["P08 D7 complete property-exemption schedule","Remains deferred except the narrow deposit and benefit crossovers addressed here","No homestead or full asset schedule"],["P10 correction resolution","Preserved","Does not certify current chapter 812 or §815.18"],["Credit reporting, identity theft, medical, and provider-access reports","Remain separate","No cross-adoption"]]},{"headers":["Source ID","Issuer / title / complete literal URL","Exact pinpoint, edition, and status","Actual body read / 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System\n+1"}],[{"href":"https://www.wicourts.gov/forms1/circuit/ccform.jsp?Category=15&FormName=&FormNumber=&StatuteCite=&SubCat=Garnishments&beg_date=&end_date=&utm_source=chatgpt.com","text":"Wisconsin Court System"}],[{"href":"https://www.wicourts.gov/forms1/ccformsindex.pdf?utm_source=chatgpt.com","text":"Wisconsin Court System"}],[{"href":"https://docs.legis.wisconsin.gov/?utm_source=chatgpt.com","text":"Wisconsin Legislative Documents"}],[{"href":"https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/","text":"Justia Law\n+2"}],[{"href":"https://law.justia.com/codes/wisconsin/chapter-425/section-425-106/","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html?utm_source=chatgpt.com","text":"Justia Law"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.2","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3","text":"eCFR\n+2"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.5","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.7","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.8","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.9","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.10","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.11","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20A%20to%20Part%20212","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20B%20to%20Part%20212","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20C%20to%20Part%20212","text":"eCFR\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t42/s407/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t42/s1383/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t38/s5301/","text":"U.S. Code"}]],"rows":[["Source ID","Issuer / title / complete literal URL","Exact pinpoint, edition, and status","Actual body read / limitation"],["S_WI-P13-S001","Wisconsin Legislature, Chapter 812—Garnishment, official PDF endpoint. https://docs.legis.wisconsin.gov/document/statutes/ch.%20812.pdf","Official search identifies 11 pages, updated Aug. 5, 2026","Bounded fresh attempt failed/timed out. Search/index only; no body read. \nWisconsin Legislative Documents"],["S002","Nonofficial 2025 read-aid, Wis. Stat. §812.01—Garnishment actions. https://law.justia.com/codes/wisconsin/chapter-812/section-812-01/","Complete section","Fresh complete read; expressly nonofficial. \nJustia Law"],["S003","Nonofficial 2025 read-aid, §812.02—When garnishment action may be commenced. https://law.justia.com/codes/wisconsin/chapter-812/section-812-02/","§812.02(1)–(2)","Fresh complete read; nonofficial. \nJustia Law"],["S004","Nonofficial 2025 read-aid, §812.04—Garnishee summons. https://law.justia.com/codes/wisconsin/chapter-812/section-812-04/","§812.04(1)–(3)","Fresh complete read; nonofficial. \nJustia Law"],["S005","Nonofficial 2025 read-aid, §812.05—Garnishee complaint. https://law.justia.com/codes/wisconsin/chapter-812/section-812-05/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S006","Nonofficial 2025 read-aid, §812.06—Garnishee fee. https://law.justia.com/codes/wisconsin/chapter-812/section-812-06/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S007","Nonofficial 2025 read-aid, §812.07—Service on garnishee and principal defendant. https://law.justia.com/codes/wisconsin/chapter-812/section-812-07/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S008","Nonofficial 2025 read-aid, §812.11—Answer by garnishee. https://law.justia.com/codes/wisconsin/chapter-812/section-812-11/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S009","Nonofficial 2025 read-aid, §812.13—Payment by garnishee. https://law.justia.com/codes/wisconsin/chapter-812/section-812-13/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S010","Nonofficial 2025 read-aid, §812.14—Reply to garnishee answer. https://law.justia.com/codes/wisconsin/chapter-812/section-812-14/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S011","Nonofficial 2025 read-aid, §812.15—Answer by principal defendant. https://law.justia.com/codes/wisconsin/chapter-812/section-812-15/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S012","Nonofficial 2025 read-aid, §812.16—Trial and judgment. https://law.justia.com/codes/wisconsin/chapter-812/section-812-16/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S013","Nonofficial 2025 read-aid, §812.17—Third-party claimants. https://law.justia.com/codes/wisconsin/chapter-812/section-812-17/","Complete section","Fresh complete read; nonofficial. \nJustia Law"],["S014","Nonofficial 2025 read-aid, §812.18—Liability of garnishee. https://law.justia.com/codes/wisconsin/chapter-812/section-812-18/","§812.18(1), (3)","Fresh relevant body read; nonofficial. \nJustia Law"],["S015","Nonofficial 2025 read-aid, §812.19—Financial-institution timing and exclusions. https://law.justia.com/codes/wisconsin/chapter-812/section-812-19/","§812.19(1), (4)–(7)","Fresh relevant body read; nonofficial. \nJustia Law"],["S016","Nonofficial 2025 read-aid, §812.20—Stay of debtor action against garnishee. https://law.justia.com/codes/wisconsin/chapter-812/section-812-20/","Complete section","Fresh complete read; nonofficial."],["S017","Nonofficial 2025 read-aid, §812.21—Bond to release garnishment. https://law.justia.com/codes/wisconsin/chapter-812/section-812-21/","Complete section","Fresh complete read; nonofficial."],["S018","Nonofficial 2025 read-aid, §812.22—Costs. https://law.justia.com/codes/wisconsin/chapter-812/section-812-22/","Complete section","Fresh complete read; nonofficial."],["S019","Wisconsin Court System, CV-301—Summons and Complaint Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/CV-301.pdf?formNumber=CV-301&formType=Form&formatId=2&language=en","Rev. 12/22; printed pp.1–2 / zero indexes 0–1","Full text and both page images inspected. \nWisconsin Court System\n+1"],["S020","Wisconsin Court System, CV-302—Garnishee Answer Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/CV-302.pdf?formNumber=CV-302&formType=Form&formatId=2&language=en","Rev. 06/22; printed p.1 / zero 0","Full text and image inspected. \nWisconsin Court System"],["S021","Wisconsin Court System, CV-303—Debtor’s Answer Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/CV-303.pdf?formNumber=CV-303&formType=Form&formatId=2&language=en","Rev. 11/19; printed p.1 / zero 0","Full text and image inspected. \nWisconsin Court System"],["S022","Wisconsin Court System, GF-105—Non-Earnings Garnishment Order to Garnishee / Release of Garnishee. https://www.wicourts.gov/formdisplay/GF-105.pdf?formNumber=GF-105&formType=Form&formatId=2&language=en","Rev. 05/16; printed p.1 / zero 0","Full text and image inspected; court-order form, not statute. \nWisconsin Court System"],["S023","Wisconsin Court System, SC-6071V—Basic Steps for Handling a Small Claims Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/SC-6071V_instructions.pdf?formNumber=SC-6071V&formType=Instructions&formatId=2&language=en","Rev. 11/19; printed pp.1–3 / zero 0–2","Full text read; all three page images inspected. \nWisconsin Court System\n+2"],["S024","Wisconsin Court System, SC-301—Small Claims Summons and Complaint Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/SC-301.pdf?formNumber=SC-301&formType=Form&formatId=2&language=en","Rev. 04/23; printed p.1 / zero 0 inspected","Partial visual read sufficient for commencement/answer fields; not full local procedure. \nWisconsin Court System"],["S025","Wisconsin Court System, SC-303—Small Claims Debtor’s Answer Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/SC-303.pdf?formNumber=SC-303&formType=Form&formatId=2&language=en","Rev. 11/19; printed pp.1–2 / zero 0–1","Full text and both images inspected. \nWisconsin Court System\n+1"],["S026","Wisconsin Court System, Civil Garnishment Forms Index. https://www.wicourts.gov/forms1/circuit/ccform.jsp?Category=15&FormName=&FormNumber=&StatuteCite=&SubCat=Garnishments&beg_date=&end_date=","Current public index listing CV-301–304 and GF-105 revisions","Fresh official index read; no form submission. \nWisconsin Court System"],["S027","Wisconsin Court System, Clerk of Circuit Court Forms Index. https://www.wicourts.gov/forms1/ccformsindex.pdf","Relevant entries printed p.9 / zero 8 and p.48 / zero 47","Relevant text read; complete 54-page visual audit not performed. \nWisconsin Court System"],["S028","Wisconsin Legislature, official §815.18 deposit-account index/snippet. https://docs.legis.wisconsin.gov/statutes/statutes/815/18/3/j/6/b?down=1","Search body exposes §815.18(3)(k), $5,000 personal-use account exemption","Fresh official snippet read; full body timed out. \nWisconsin Legislative Documents"],["S029","Nonofficial 2025 read-aid, Wis. Stat. §815.18—Property exempt from execution. https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/","Definitions; (3)(ds), (k), (n); (4)–(13)","Fresh relevant body read; nonofficial and current-body hold preserved. \nJustia Law\n+2"],["S030","Nonofficial 2025 read-aid, Wis. Stat. §425.106—Consumer-transaction exempt property. https://law.justia.com/codes/wisconsin/chapter-425/section-425-106/","§425.106(1)–(4)","Fresh complete body read; nonofficial. \nJustia Law"],["S031","Wisconsin Supreme Court opinion reproduction, John O. Melby & Co. Bank v. Anderson, 88 Wis. 2d 252 (1979). https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html","Full published opinion text; deposited-wage CCPA issue","Fresh full opinion reproduction read; not official Wisconsin Court System host. \nJustia Law"],["S032","eCFR, 31 C.F.R. §212.2—Scope. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.2","§§212.2(a)–(b); Title 31 current Oct. 23, 2026","Fresh complete body read. \neCFR"],["S033","eCFR, §212.3—Definitions. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3","Account, holder, benefit payment, order, lookback, protected amount","Fresh complete relevant body read. \neCFR\n+2"],["S034","eCFR, §212.4—Initial action on receipt. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.4","§§212.4(a)–(c)","Fresh complete body read. \neCFR"],["S035","eCFR, §212.5—Account review. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.5","§§212.5(a)–(f)","Fresh complete body read. \neCFR\n+1"],["S036","eCFR, §212.6—Protection procedures. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6","§§212.6(a)–(h)","Fresh complete body read. \neCFR\n+1"],["S037","eCFR, §212.7—Notice to account holder. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.7","§§212.7(a)–(h)","Fresh complete body read. \neCFR\n+1"],["S038","eCFR, §212.8—Other rights and authorities. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.8","§§212.8(a)–(b)","Fresh complete body read. \neCFR"],["S039","eCFR, §212.9—Preemption. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.9","§§212.9(a)–(b)","Fresh complete body read. \neCFR"],["S040","eCFR, §212.10—Safe harbor. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.10","§§212.10(a)–(d)","Fresh complete body read. \neCFR"],["S041","eCFR, §212.11—Compliance and retention. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.11","§§212.11(a)–(b)","Fresh complete body read. \neCFR"],["S042","eCFR, Appendix A—Model account-holder notice. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20A%20to%20Part%20212","Model and safe-harbor preface","Fresh body read; no form used. \neCFR"],["S043","eCFR, Appendix B—Notice of Right to Garnish Federal Benefits. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20B%20to%20Part%20212","Complete notice and qualifying authorities","Fresh complete body read. \neCFR"],["S044","eCFR, Appendix C—Lookback and protected-amount examples. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20C%20to%20Part%20212","Examples 1–5","Fresh complete relevant body read. \neCFR\n+1"],["S045","U.S. House OLRC, 42 U.S.C. §407—Assignment of benefits. https://uscode.house.gov/us/usc/119-124/t42/s407/","§§407(a)–(c); through Pub. L. 119-124, Oct. 15, 2026","Fresh complete body read. \nU.S. Code"],["S046","U.S. House OLRC, 42 U.S.C. §1383—SSI procedure. https://uscode.house.gov/us/usc/119-124/t42/s1383/","§1383(d)(1) applying §407","Fresh relevant body read. \nU.S. Code"],["S047","U.S. House OLRC, 38 U.S.C. §5301—VA benefit exemption. https://uscode.house.gov/us/usc/119-124/t38/s5301/","§5301(a)–(d); through Pub. L. 119-124","Fresh relevant body read. \nU.S. Code"]]},{"headers":["Claim","A066","Actor / predicate","Required act, clock, or effect","Primary pinpoint","Exception / retained hold"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","A066","Actor / predicate","Required act, clock, or effect","Primary pinpoint","Exception / retained hold"],["C001","Open","Wisconsin chapter 812 currentness","Official full current chapter body was not rendered","S001","Read-aid conclusions remain currentness-qualified"],["C002","Open","Creditor / garnishee / debtor","Non-earnings garnishment is a separate civil action","S002 §812.01","General civil rules otherwise apply"],["C003","Open","Individual or entity plaintiff","Individual may act personally; other plaintiff requires Wisconsin attorney","S002","Actual representation excluded"],["C004","Open","Judgment creditor","Ordinary postjudgment branch requires issuable in-personam judgment execution","S003 §812.02","Judgment validity/enforceability held"],["C005","Open","Creditor complaint","Must state judgment, amount, claim, garnishee belief, and nonexemption belief","S005 §812.05","Allegations do not prove facts"],["C006","Open","Clerk / creditor","File summons and complaint; serve defendant within reproduced 60-day period","S004 §812.04","Local fee/e-filing held"],["C007","Open","Creditor","Serve debtor no later than 10 days after garnishee service","S007 §812.07","General service law/local practice held"],["C008","Open","Creditor / garnishee","Creditor pays $3 garnishee fee; no answer required before payment","S006 §812.06","Current body held"],["C009","Open","Financial institution","Implement when first reasonably able, no later than reproduced second-business-day ceiling","S015 §812.19(4)","Wisconsin business-day definition held"],["C010","Open","Financial institution","No liability for property leaving before implementation in permitted interval; safe-deposit contents excluded","S015 §812.19(4)–(5)","Fraudulent-transfer issues separate"],["C011","Open","Garnishee","Answer within 20 days excluding service day; disclose debts, property, liens, setoffs, claims, exemptions","S008 §812.11","Actual response facts excluded"],["C012","Open","Debtor","Answer within 20 days and assert garnishee-equivalent defenses","S011 §812.15","Local hearing practice held"],["C013","Open","Creditor","Garnishee answer taken true unless reply within 20 days after receipt","S010 §812.14","Debtor-answer objection deadline not fully verified"],["C014","Open","Nonanswering garnishee","Exposed to judgment measured by underlying judgment plus costs","S004; S019","Judicial default process required"],["C015","Open","Garnishee","Liability reaches debtor property or interest and debts due/to become due, capped by claim","S014 §812.18(1)","Exempt and special property excluded"],["C016","Open","Debtor / court","Excess released; insufficient property held; debtor may petition to release unnecessary property","S014 §812.18(3)","Court order/facts needed"],["C017","Open","Garnishee / creditor / clerk","Garnishee may pay clerk; written creditor request triggers reproduced 5-day payment rule","S009 §812.13","Funds not yet due handled when due"],["C018","Open","Court","Court order can direct payment or release","S012; S022","Form is not independent current statute"],["C019","Open","Third-party claimant","May be impleaded and ordinarily answer within 20 days","S013 §812.17","Ownership merits held"],["C020","Open","Debtor","Release bond ordinarily 1.5× debt or lower court amount; surety objection in 3 days","S017 §812.21","Surety/local procedure held"],["C021","Open","Individual debtor","Depository account includes listed account types; aggregate value is debtor equity","S029 §815.18(2)","Current body unavailable"],["C022","Open","Personal-use account","Aggregate $5,000 deposit exemption; business account excluded","S028; S029 §815.18(3)(k)","No current integrated-body certification"],["C023","Open","Debtor or representative","Exemption must generally be affirmatively claimed before disposition","S029 §815.18(6)","Enumerated exceptions to claim procedure"],["C024","Open","Resident/nonresident/spouses","Residency and spouse rules affect exemption availability/combination","S029 §815.18(5),(8)","Ownership and marital law held"],["C025","Open","Partially exempt property","Exempt portion set apart; nonexempt portion remains subject","S029 §815.18(9)","Valuation factual"],["C026","Open","Consumer-credit debtor","Elect §425.106 or §815.18 exemptions","S029 §815.18(11); S030","Cannot stack automatically"],["C027","Open","Deposited wage funds","Federal CCPA payroll percentage does not automatically follow wages into bank account","S031","State/source exemptions remain"],["C028","Open","Joint account / bank","Bank discloses debtor interest, lien, setoff, and other claimants; court resolves contest","S008, S013–S014","No universal joint-account percentage"],["C029","Open","Financial institution / covered benefits","Part 212 applies to listed institutions and benefit programs","S032 §212.2","Not all federal payments covered"],["C030","Open","Account holder / bank","“Benefit payment” requires covered direct deposit with specified ACH coding","S033 §212.3","Paper checks/transfers not automated benefits"],["C031","Open","Bank","Lookback is two months preceding review under corresponding-date rule","S033 §212.3","Exact review date required"],["C032","Open","Bank","Protected amount is lesser of coded deposits and review-time balance","S033 §212.3","Separate per account"],["C033","Open","Bank / US or child-support agency","Within 2 business days inspect for Appendix B notice; if present, skip §§212.5-.6","S034; S043","Underlying authority still controls"],["C034","Open","Bank","Account review within 2 business days after order and sufficient holder information","S035 §212.5(a)","Large-batch permitted-later branch"],["C035","Open","Bank","Review ignores commingling, co-owner, benefit recipient/program, order instruction, and debt type","S035 §212.5(d)","Does not decide ownership of excess"],["C036","Open","Bank","Review each account separately; do not trace transfers across accounts","S035 §212.5(f)","Underlying exemption claimant may trace separately"],["C037","Open","Account with no coded lookback deposit","Bank uses ordinary procedures; no automated §212.6 protection","S035 §212.5(b)","Other exemptions preserved"],["C038","Open","Account with coded benefit","Bank immediately establishes protected amount and gives full access","S036 §212.6(a)","No claimant filing needed"],["C039","Open","Protected amount","Calculated amount conclusively exempt under part 212","S036 §212.6(c)","Underlying benefit law may protect more"],["C040","Open","Excess funds","Ordinary procedure applies, but further federal exemptions remain assertable","S036 §212.6(d); S038 §212.8","Court process may be necessary"],["C041","Open","Same/new orders","One review per order; new order gets new review; no future-deposit freeze under old order","S036 §212.6(f)–(g)","State priority held"],["C042","Open","Financial institution","Garnishment fee cannot consume protected amount; narrow 5-day nonbenefit-deposit rule","S036 §212.6(h)","Other fee law applies"],["C043","Open","Bank / account holder","Notice required only with protected plus excess funds; send within 3 business days","S037 §212.7","Business-day definition not supplied"],["C044","Open","Federal/state interaction","Inconsistent state law preempted; compatible greater protection preserved","S039 §212.9","Full state interaction factual"],["C045","Open","Compliant financial institution","Good-faith safe harbors cover specified review/freeze/error situations","S040 §212.10","Not immunity outside rule"],["C046","Open","Bank / regulators","Federal banking agencies enforce; retain compliance records at least 2 years","S041 §212.11","Private remedies not researched"],["C047","Open","Social Security funds","§407 protects money paid/payable and requires express statutory modification","S045 §407(a)–(b)","Tax withholding exception and specific laws"],["C048","Open","SSI funds","§1383(d)(1) applies §407 protection","S046","Actual benefit classification needed"],["C049","Open","VA funds","§5301 generally protects before/after receipt with enumerated exceptions","S047 §5301(a)–(d)","Taxes/US claims/property exceptions"],["C050","Open","RRB/OPM/military benefits","Part 212 coverage verified for RRB/OPM; full underlying statutes and military programs not read","S032","Separate program pass"],["C051","Open","Debtor / creditor","Exemption or release does not invalidate debt or judgment","Sources above","Merits and satisfaction separate"],["C052","Open","Forms user","Official forms and guides are informational/procedural, not current statutory substitutes","S019–S027","County rules remain"],["C053","Open","Tool/article designer","Any tool must separate state claim, federal automation, ownership, and court decision","C001–C052","No build/publication approval"]]},{"headers":["#","Requested subissue","Status","Claims","Evidence","Exact remaining body/fact or next action"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Requested subissue","Status","Claims","Evidence","Exact remaining body/fact or next action"],["1","Current chapter 812 body","Unresolved","C001","S001","Obtain operative official chapter body"],["2","Non-earnings versus earnings","Answered at gateway","C002","S002","PASS-11 not adopted"],["3","Separate civil action","Answered","C002","S002","Actual filing excluded"],["4","Creditor actor","Answered","C003–C005","S002, S005","Ownership/assignment facts"],["5","Debtor actor","Answered","C002, C012","S002, S011","Actual service/answer"],["6","Financial institution garnishee","Answered","C009–C011","S008, S015","Actual bank excluded"],["7","Nondebtor spouse","Partial","C004","S003","Marital-property law"],["8","Third-party claimant","Answered procedurally","C019","S013","Ownership merits"],["9","Debtor representative","Answered exemption gateway","C023","S029","Authority facts"],["10","Clerk role","Answered","C006, C017–C018","S004, S009, S022","Local process"],["11","Court role","Answered","C012–C020","S010–S018","Actual hearing"],["12","Sheriff/private server","Partial/guidance","C007, C052","S023","Chapter 801/local service"],["13","Postjudgment prerequisite","Answered with hold","C004","S003","Current judgment enforceability"],["14","Execution-issuable predicate","Answered","C004","S003","P08/P10 not rerun"],["15","Complaint judgment allegations","Answered","C005","S005","Accuracy untested"],["16","Complaint claimed amount","Answered","C005","S005","Actual ledger excluded"],["17","Complaint nonexemption allegation","Answered","C005","S005","Does not decide exemption"],["18","Separate affidavit requirement","Not established generally","C005","S005, S019","County/special procedure"],["19","Clerk issuance/fee","Answered generally","C006","S004","Current/local fee"],["20","Filing commencement","Answered","C006","S004","Actual e-filing excluded"],["21","60-day service period","Answered from read-aid","C006","S004","Current official body held"],["22","Garnishee service","Answered generally","C007","S007","Chapter 801/local rules"],["23","Debtor service within 10 days","Answered","C007","S007","Actual service date"],["24","Dismissal for missed debtor service","Answered textually","C007","S007","Court application factual"],["25","$3 garnishee fee","Answered","C008","S006","Current body held"],["26","Bank implementation outer time","Answered with currentness hold","C009","S015","Wisconsin business-day rule"],["27","Funds leaving before implementation","Answered","C010","S015","Fraud/transfer issues"],["28","Safe-deposit contents","Answered","C010, C021","S015, S029","Separate property execution"],["29","Garnishee 20-day answer","Answered","C011","S008","Actual service"],["30","Answer debt/property content","Answered","C011","S008, S020","Actual records"],["31","Garnishee lien/setoff disclosure","Answered","C011, C028","S008","Priority merits"],["32","Known exemption disclosure","Answered","C011","S008","Not final determination"],["33","Other claimant disclosure","Answered","C011, C019","S008, S013","Third-party proof"],["34","Debtor 20-day answer","Answered","C012","S011, S021/S025","Actual service"],["35","Debtor exemption claim","Answered","C012, C023","S011, S021/S025","Proof and election"],["36","Creditor reply to garnishee answer","Answered","C013","S010","Actual receipt"],["37","Creditor objection to debtor answer","Partial/form supported","C013, C052","S026–S027","Exact current statutory deadline"],["38","Court trial/hearing","Answered generally","C012–C019","S010–S013","Local scheduling"],["39","Garnishee default exposure","Answered conditionally","C014","S004, S019","Motion/default notice"],["40","Debtor-property-only limitation","Answered","C015","S014","Ownership evidence"],["41","Claim cap","Answered","C015","S014","Actual judgment amount"],["42","Excess property release","Answered","C016","S014","Account/property facts"],["43","Debtor petition to release excess","Answered","C016","S014","Notice/local procedure"],["44","Voluntary payment to clerk","Answered","C017","S009","Actual answer/debt due"],["45","Creditor written-request 5-day rule","Answered","C017","S009","Receipt and due-date facts"],["46","Court order to pay/release","Answered","C018","S012, S022","Local order"],["47","Third-party impleader","Answered","C019","S013","Service/claim merits"],["48","Release bond","Answered conditionally","C020","S017","Sureties and court amount"],["49","Deposit-account definition","Answered with currentness hold","C021","S029","Official current body"],["50","Aggregate value definition","Answered","C021","S029","Equity evidence"],["51","$5,000 exemption","Answered with source bound","C022","S028–S029, S021/S025","Official full body absent"],["52","Personal-use condition","Answered","C022","S028–S029","Actual account use"],["53","Business-account exclusion","Answered","C022","S028–S029","Mixed-use classification"],["54","Aggregate across accounts","Answered conceptually","C021–C022","S029","Complete account list"],["55","Adjustment/indexing","No mechanism located; currentness held","C022","S028–S029","Official current body"],["56","Affirmative exemption claim","Answered","C023","S029","Actual communication"],["57","Claim before disposition","Answered","C023","S029","Court-disposition date"],["58","Contractual prejudgment waiver","Answered as void in read-aid","C023","S029","Current body"],["59","Partial exemption procedure","Answered","C025","S029","Valuation"],["60","Spousal exemptions","Partial","C024","S029","Marital property/ownership"],["61","Resident/nonresident exemption law","Answered textually","C024","S029","Actual domicile"],["62","General tracing rule","Answered","C024–C025","S029","Source-specific express exceptions"],["63","Consumer-credit election","Answered","C026","S029–S030","Underlying transaction"],["64","Deposit exemption under §425.106","Not found in read body","C026","S030","Other greater protection may exist"],["65","Wages after deposit","Answered federal boundary","C027","S031","Wisconsin exemption still tested"],["66","Joint-account ownership","Unresolved merits","C028","S008, S013–S014","Account agreement/contributions"],["67","Bank setoff","Unresolved merits","C011, C028","S008","Agreement/priority law"],["68","Competing garnishment orders","Unresolved state priority","C028, C041","S008, S036","Separate priority pass"],["69","State funds tracing/commingling","Partial","C024–C028","S029, S031","Specific source facts"],["70","Part 212 institution scope","Answered","C029","S032","Actual institution"],["71","Covered benefit programs","Answered","C029","S032","Program-specific exceptions"],["72","Account-holder definition","Answered","C030","S033","Actual ownership record"],["73","Coded direct-deposit definition","Answered","C030","S033","ACH data"],["74","Paper-check treatment","Answered as outside automated definition","C030, C037","S033","Underlying exemption remains"],["75","Transferred benefit funds","Answered as outside inter-account tracing","C036–C040","S035, S038","Separate tracing claim"],["76","Lookback formula","Answered","C031","S033, S044","Review date"],["77","Protected-amount formula","Answered","C032","S033, S044","Deposits/balance"],["78","Appendix B initial review","Answered","C033","S034, S043","Qualifying issuer/authority"],["79","Two-business-day Appendix B check","Answered","C033","S034","Business-day definition"],["80","Two-business-day account review","Answered","C034","S035","Holder information"],["81","Large-batch later-review branch","Answered","C034","S035","Creditor permission/records"],["82","Review despite commingling","Answered","C035","S035","Ownership of excess separate"],["83","Review despite co-owner","Answered","C035","S035, S044","State ownership separate"],["84","Multiple benefits/beneficiaries","Answered","C035","S035, S044","No ownership adjudication"],["85","Separate review for each account","Answered","C036","S035","Account inventory"],["86","No bank inter-account tracing","Answered","C036","S035","Claimant tracing may differ"],["87","No coded payment branch","Answered","C037","S035","Other exemptions preserved"],["88","Automatic protected amount","Answered","C038–C039","S036","Complete review facts"],["89","No exemption assertion needed","Answered","C038","S036","Only calculated amount"],["90","Conclusive part-212 exemption","Answered","C039","S036","Greater exemptions separate"],["91","Excess funds state process","Answered","C040","S036–S038","Actual exemption claim"],["92","One review per order","Answered","C041","S036","New-order identity"],["93","New order/new review","Answered","C041","S036","State priority held"],["94","No freeze of later deposits under old order","Answered","C041","S036","New order exception"],["95","Protected-amount fee ban","Answered","C042","S036","Other fee authority"],["96","Five-business-day fee branch","Answered","C042","S036","Nonbenefit deposit amount"],["97","Federal notice trigger","Answered","C043","S037","Protected plus excess"],["98","Federal notice content","Answered","C043","S037","State additions allowed"],["99","Three-business-day notice","Answered","C043","S037","Business-day definition"],["100","Optional federal model notice","Answered","C043","S042","Not mandatory"],["101","Additional federal exemption preserved","Answered","C040","S038","Claim/tracing required"],["102","State greater-protection rule","Answered","C044","S039","Compatibility analysis"],["103","Federal bank safe harbor","Answered","C045","S040","Good-faith compliance"],["104","Federal retention period","Answered","C046","S041","Actual records excluded"],["105","Social Security protection","Answered","C047","S045","Express statutory exceptions"],["106","SSI protection","Answered","C048","S046","Actual benefit classification"],["107","VA protection","Answered with exceptions","C049","S047","Full program application"],["108","RRB underlying statute","Deferred","C050","S032","Read 45 U.S.C. bodies"],["109","OPM underlying statute","Deferred","C050","S032","Read 5 U.S.C. bodies"],["110","Military retired pay","Excluded/unresearched","C050","—","Separate program statute"],["111","Federal/support Appendix B exception","Answered gateway","C033","S043","Underlying authority required"],["112","Debt cancellation","Answered negatively as boundary","C051","Sources above","Merits separate"],["113","Official forms versus statute","Answered","C052","S019–S027","Current bodies/local rules"],["114","Article/calculator opportunities","Answered as design boundary","C053","Claims above","No build/publication"]]},{"headers":["#","Branch","Status","Claims","Exact boundary"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Branch","Status","Claims","Exact boundary"],["T1","Wisconsin ordinary circuit-court non-earnings garnishment","Principal component","C001–C028","Actual case excluded"],["T2","Wisconsin small-claims non-earnings garnishment","Addressed through official forms/guidance","C006–C018, C052","Local return-date and hearing practices vary"],["T3","All 72 Wisconsin counties","Not certified","C052","Local fees, service, e-filing, calendars, and hearings remain"],["T4","Federal judgment enforced in Wisconsin","Unexamined","—","Federal Rule 69 and registration"],["T5","Foreign-state judgment","Unexamined","—","Domestication before garnishment"],["T6","Foreign-country judgment","Unexamined","—","Recognition and enforcement"],["T7","Tribal judgment / tribal financial institution","Unexamined","—","Sovereign and tribal law"],["T8","Support order","Only Appendix B gateway","C033","Full support seizure law deferred"],["T9","Federal agency order","Only Appendix B gateway","C033","FDCPA/MVRA/tax-specific authority"],["T10","Tax levy","Excluded","—","Federal and Wisconsin tax process"],["T11","Bankruptcy","Excluded","—","Stay, discharge, turnover, exemptions"],["T12","Restitution / criminal debt","Excluded","—","Special federal and state law"]]},{"headers":["#","Deferred family","Reason"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Deferred family","Reason"],["D1","Earnings garnishment","PASS-11 saved but unreviewed"],["D2","General levy and execution against property","P08 D6 remains open"],["D3","Full Wisconsin property-exemption schedule","P08 D7 remains open"],["D4","Sheriff levy, sale, redemption, and priority","Separate execution pass"],["D5","Complete joint-account ownership law","Requires account and contribution facts"],["D6","Complete bank setoff and lien priority","Contract and banking law"],["D7","Multiple-order priority","Separate state/federal priority analysis"],["D8","Federal-benefit tracing litigation","Beyond automated review"],["D9","RRB benefit statute and exceptions","Underlying statutes unread"],["D10","OPM/CSRS/FERS statutes and exceptions","Underlying statutes unread"],["D11","Military retirement and non-VA military benefits","Not covered by part 212 list as such"],["D12","Tax and child-support seizure law","Appendix B gateway only"],["D13","Federal administrative debt collection","Separate federal regime"],["D14","Bankruptcy stay and discharge","Separate component"],["D15","Judgment validity, duration, renewal, interest, and satisfaction","P08/P10 not rerun"],["D16","Collector licensing and conduct","P02 unreviewed"],["D17","Validation and account documentation","P03 unreviewed"],["D18","Medical assistance and medical debt","P07 unreviewed"],["D19","Credit reporting and identity theft","P04-P06/P09/P12 separate"],["D20","Provider fees, settlement contracts, and client funds","P01 unreviewed"],["D21","Full private remedies, damages, standing, and limitations","Only procedural consequences addressed"],["D22","Local clerk rules and current filing fees","County-specific"],["D23","Actual bank agreement, account history, ownership, or benefit record","Private facts excluded"],["D24","Current integrated Wisconsin statutes","Chapter 812 and §815.18 body gap"],["D25","Complete citator and unpublished orders","Not performed"],["D26","Publication, operational approval, Wisconsin parent, or A066 acceptance","Expressly withheld"]]},{"headers":["Workflow","Subject","Main claims"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Workflow","Subject","Main claims"],["1","Ordinary unprotected personal funds and $5,000 claim","C021–C026"],["2","Entire balance protected by coded benefits","C030–C039"],["3","Protected amount plus $500 excess","C031–C043"],["4","Older Social Security funds outside lookback","C037, C040, C047"],["5","Benefit deposited by paper check","C030, C037, C047"],["6","Deposited wages","C027"],["7","Joint account and nondebtor ownership","C015, C019, C028, C035"],["8","Debtor asserts Wisconsin exemption","C011–C018, C021–C026"],["9","Garnishee fails to answer","C008, C011, C014"],["10","Federal review and notice clock","C033–C034, C043"],["11","Multiple orders and bank setoff","C011, C028, C041"],["12","United States/support Appendix B order","C033, C050"]]},{"headers":["Register","Visible rows"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Register","Visible rows"],["Source register","47"],["Atomic claims","53"],["Core granular coverage","114"],["Territorial/special branches","12"],["Deferred families","26"],["Fictional workflows","12"],["Old-to-new disposition rows","6"]]}],"claims":[{"claim_id":"S_WI-P13-C001","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim":"C001","A066":"Open","Actor / predicate":"Wisconsin chapter 812 currentness","Required act, clock, or effect":"Official full current chapter body was not rendered","Primary pinpoint":"S001","Exception / retained hold":"Read-aid conclusions remain currentness-qualified"},"raw_table_index":4,"coordinator_verification_status":"scoped_reconciliation_with_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by task and pass; original cell unchanged.","coordinator_direct_source_ids":["S_WI-P13-S001"],"coordinator_dependency_claim_ids":[],"coordinator_source_ids":["S_WI-P13-S001"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_sources":[],"scope":"Originalclaimread;direct/transitiveIDsmechanicalonly.Specificselectedboundsapply,notcompleteverificationofeveryclaimorallconditions. 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Existingvalidformula/trigger/timingretained.","independent_all_claim_or_state_acceptance":false}},{"claim_id":"S_WI-P13-C003","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim":"C003","A066":"Open","Actor / predicate":"Individual or entity plaintiff","Required act, clock, or effect":"Individual may act personally; other plaintiff requires Wisconsin attorney","Primary pinpoint":"S002","Exception / retained hold":"Actual representation excluded"},"raw_table_index":4,"coordinator_verification_status":"scoped_reconciliation_with_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by task and pass; original cell unchanged.","coordinator_direct_source_ids":["S_WI-S002"],"coordinator_dependency_claim_ids":[],"coordinator_source_ids":["S_WI-S002"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_sources":[],"scope":"Originalclaimread;direct/transitiveIDsmechanicalonly.Specificselectedboundsapply,notcompleteverificationofeveryclaimorallconditions. Existingvalidformula/trigger/timingretained.","independent_all_claim_or_state_acceptance":false}},{"claim_id":"S_WI-P13-C004","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim":"C004","A066":"Open","Actor / predicate":"Judgment creditor","Required act, clock, or effect":"Ordinary postjudgment branch requires issuable in-personam judgment execution","Primary pinpoint":"S003 §812.02","Exception / retained hold":"Judgment validity/enforceability held"},"raw_table_index":4,"coordinator_verification_status":"scoped_reconciliation_with_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by task and pass; original cell unchanged.","coordinator_direct_source_ids":["S_WI-S003"],"coordinator_dependency_claim_ids":[],"coordinator_source_ids":["S_WI-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_sources":[],"scope":"Originalclaimread;direct/transitiveIDsmechanicalonly.Specificselectedboundsapply,notcompleteverificationofeveryclaimorallconditions. Existingvalidformula/trigger/timingretained.","independent_all_claim_or_state_acceptance":false}},{"claim_id":"S_WI-P13-C005","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim":"C005","A066":"Open","Actor / predicate":"Creditor complaint","Required act, clock, or effect":"Must state judgment, amount, claim, garnishee belief, and nonexemption belief","Primary pinpoint":"S005 §812.05","Exception / retained hold":"Allegations do not prove facts"},"raw_table_index":4,"coordinator_verification_status":"scoped_reconciliation_with_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by task and pass; original cell unchanged.","coordinator_direct_source_ids":["S_WI-S005"],"coordinator_dependency_claim_ids":[],"coordinator_source_ids":["S_WI-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_sources":[],"scope":"Originalclaimread;direct/transitiveIDsmechanicalonly.Specificselectedboundsapply,notcompleteverificationofeveryclaimorallconditions. Existingvalidformula/trigger/timingretained.","independent_all_claim_or_state_acceptance":false}},{"claim_id":"S_WI-P13-C006","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim":"C006","A066":"Open","Actor / predicate":"Clerk / creditor","Required act, clock, or effect":"File summons and complaint; serve defendant within reproduced 60-day period","Primary pinpoint":"S004 §812.04","Exception / retained hold":"Local fee/e-filing held"},"raw_table_index":4,"coordinator_verification_status":"scoped_reconciliation_with_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by task and pass; original cell unchanged.","coordinator_direct_source_ids":["S_WI-S004"],"coordinator_dependency_claim_ids":[],"coordinator_source_ids":["S_WI-S004"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_sources":[],"scope":"Originalclaimread;direct/transitiveIDsmechanicalonly.Specificselectedboundsapply,notcompleteverificationofeveryclaimorallconditions. Existingvalidformula/trigger/timingretained.","independent_all_claim_or_state_acceptance":false}},{"claim_id":"S_WI-P13-C007","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim":"C007","A066":"Open","Actor / predicate":"Creditor","Required act, clock, or effect":"Serve debtor no later than 10 days after garnishee service","Primary pinpoint":"S007 §812.07","Exception / retained hold":"General service law/local practice held"},"raw_table_index":4,"coordinator_verification_status":"scoped_reconciliation_with_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by task and pass; original cell unchanged.","coordinator_direct_source_ids":["S_WI-S007"],"coordinator_dependency_claim_ids":[],"coordinator_source_ids":["S_WI-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_sources":[],"scope":"Originalclaimread;direct/transitiveIDsmechanicalonly.Specificselectedboundsapply,notcompleteverificationofeveryclaimorallconditions. Existingvalidformula/trigger/timingretained.","independent_all_claim_or_state_acceptance":false}},{"claim_id":"S_WI-P13-C008","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim":"C008","A066":"Open","Actor / predicate":"Creditor / garnishee","Required act, clock, or effect":"Creditor pays $3 garnishee fee; no answer required before payment","Primary pinpoint":"S006 §812.06","Exception / retained hold":"Current body held"},"raw_table_index":4,"coordinator_verification_status":"scoped_reconciliation_with_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by task and pass; original cell unchanged.","coordinator_direct_source_ids":["S_WI-S006"],"coordinator_dependency_claim_ids":[],"coordinator_source_ids":["S_WI-S006"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_sources":[],"scope":"Originalclaimread;direct/transitiveIDsmechanicalonly.Specificselectedboundsapply,notcompleteverificationofeveryclaimorallconditions. Existingvalidformula/trigger/timingretained.","independent_all_claim_or_state_acceptance":false}},{"claim_id":"S_WI-P13-C009","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim":"C009","A066":"Open","Actor / predicate":"Financial institution","Required act, clock, or effect":"Implement when first reasonably able, no later than reproduced second-business-day ceiling","Primary pinpoint":"S015 §812.19(4)","Exception / retained hold":"Wisconsin business-day definition held"},"raw_table_index":4,"coordinator_verification_status":"scoped_reconciliation_with_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by task and pass; original cell unchanged.","coordinator_direct_source_ids":["S_WI-S015"],"coordinator_dependency_claim_ids":[],"coordinator_source_ids":["S_WI-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_sources":[],"scope":"Originalclaimread;direct/transitiveIDsmechanicalonly.Specificselectedboundsapply,notcompleteverificationofeveryclaimorallconditions. 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nonofficial. \nJustia Law"},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S015","whole_current_source_accepted":false}},{"source_id":"S_WI-S016","urls":["https://law.justia.com/codes/wisconsin/chapter-812/section-812-20/"],"researcher_record":{"Source ID":"S016","Issuer / title / complete literal URL":"Nonofficial 2025 read-aid, §812.20—Stay of debtor action against garnishee. https://law.justia.com/codes/wisconsin/chapter-812/section-812-20/","Exact pinpoint, edition, and status":"Complete section","Actual body read / limitation":"Fresh complete read; nonofficial."},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S016","whole_current_source_accepted":false}},{"source_id":"S_WI-S017","urls":["https://law.justia.com/codes/wisconsin/chapter-812/section-812-21/"],"researcher_record":{"Source ID":"S017","Issuer / title / complete literal URL":"Nonofficial 2025 read-aid, §812.21—Bond to release garnishment. https://law.justia.com/codes/wisconsin/chapter-812/section-812-21/","Exact pinpoint, edition, and status":"Complete section","Actual body read / limitation":"Fresh complete read; nonofficial."},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S017","whole_current_source_accepted":false}},{"source_id":"S_WI-S018","urls":["https://law.justia.com/codes/wisconsin/chapter-812/section-812-22/"],"researcher_record":{"Source ID":"S018","Issuer / title / complete literal URL":"Nonofficial 2025 read-aid, §812.22—Costs. https://law.justia.com/codes/wisconsin/chapter-812/section-812-22/","Exact pinpoint, edition, and status":"Complete section","Actual body read / limitation":"Fresh complete read; nonofficial."},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S018","whole_current_source_accepted":false}},{"source_id":"S_WI-S019","urls":["https://www.wicourts.gov/formdisplay/CV-301.pdf?formNumber=CV-301&formType=Form&formatId=2&language=en"],"researcher_record":{"Source ID":"S019","Issuer / title / complete literal URL":"Wisconsin Court System, CV-301—Summons and Complaint Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/CV-301.pdf?formNumber=CV-301&formType=Form&formatId=2&language=en","Exact pinpoint, edition, and status":"Rev. 12/22; printed pp.1–2 / zero indexes 0–1","Actual body read / limitation":"Full text and both page images inspected. \nWisconsin Court System\n+1"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R001","scope":"Entire two-page general civil CV-301 text:20-day debtor/garnishee answer, allegations, retention/cap, pending disputed exemption and complaint. No form filled or actual process.","version_and_limits":"12/22; printedpp1–2/PDF0–1. Not complete current812/801or small-claims deadline certification.","pass_scoped_source_alias":"S_WI-P13-S019","whole_current_source_accepted":false}},{"source_id":"S_WI-S020","urls":["https://www.wicourts.gov/formdisplay/CV-302.pdf?formNumber=CV-302&formType=Form&formatId=2&language=en"],"researcher_record":{"Source ID":"S020","Issuer / title / complete literal URL":"Wisconsin Court System, CV-302—Garnishee Answer Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/CV-302.pdf?formNumber=CV-302&formType=Form&formatId=2&language=en","Exact pinpoint, edition, and status":"Rev. 06/22; printed p.1 / zero 0","Actual body read / limitation":"Full text and image inspected. \nWisconsin Court System"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R002","scope":"Entire one-page CV-302: asset/debt/exemptions calculation fields and20-day service/mailing instruction. No actual ownership/setoff decision.","version_and_limits":"06/22,PDF0. Administrative form not current entire statutory rule.","pass_scoped_source_alias":"S_WI-P13-S020","whole_current_source_accepted":false}},{"source_id":"S_WI-S021","urls":["https://www.wicourts.gov/formdisplay/CV-303.pdf?formNumber=CV-303&formType=Form&formatId=2&language=en"],"researcher_record":{"Source ID":"S021","Issuer / title / complete literal URL":"Wisconsin Court System, CV-303—Debtor’s Answer Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/CV-303.pdf?formNumber=CV-303&formType=Form&formatId=2&language=en","Exact pinpoint, edition, and status":"Rev. 11/19; printed p.1 / zero 0","Actual body read / limitation":"Full text and image inspected. \nWisconsin Court System"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R003","scope":"Entire one-page CV-303: defenses,5000deposit checkbox and20-day footer. Other listed asset/program exemptions not adopted as complete current law.","version_and_limits":"11/19,PDF0; old cross-citations retained as form content. No actual exemption selection.","pass_scoped_source_alias":"S_WI-P13-S021","whole_current_source_accepted":false}},{"source_id":"S_WI-S022","urls":["https://www.wicourts.gov/formdisplay/GF-105.pdf?formNumber=GF-105&formType=Form&formatId=2&language=en"],"researcher_record":{"Source ID":"S022","Issuer / title / complete literal URL":"Wisconsin Court System, GF-105—Non-Earnings Garnishment Order to Garnishee / Release of Garnishee. https://www.wicourts.gov/formdisplay/GF-105.pdf?formNumber=GF-105&formType=Form&formatId=2&language=en","Exact pinpoint, edition, and status":"Rev. 05/16; printed p.1 / zero 0","Actual body read / limitation":"Full text and image inspected; court-order form, not statute. \nWisconsin Court System"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R004","scope":"Entire GF-105 court-order alternatives, including20-day nonreply/required motion options. Does not itself supply a complete statute or universal debtor objection deadline.","version_and_limits":"05/16,PDF0; blank court order, not filed or an actual release.","pass_scoped_source_alias":"S_WI-P13-S022","whole_current_source_accepted":false}},{"source_id":"S_WI-S023","urls":["https://www.wicourts.gov/formdisplay/SC-6071V_instructions.pdf?formNumber=SC-6071V&formType=Instructions&formatId=2&language=en"],"researcher_record":{"Source ID":"S023","Issuer / title / complete literal URL":"Wisconsin Court System, SC-6071V—Basic Steps for Handling a Small Claims Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/SC-6071V_instructions.pdf?formNumber=SC-6071V&formType=Instructions&formatId=2&language=en","Exact pinpoint, edition, and status":"Rev. 11/19; printed pp.1–3 / zero 0–2","Actual body read / limitation":"Full text read; all three page images inspected. \nWisconsin Court System\n+2"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R005","scope":"Entire three-page SC6071V guide: local rules, small-claimsscope, service, bank20-day answer, debtor summons date/time and hearing/retention. Simplified guidance and older exemption statements are not blanket current law.","version_and_limits":"11/19,printedpp1–3/PDF0–2. Debtor date instruction differs from20-day footer in SC303; actual799/local interaction unresolved.","pass_scoped_source_alias":"S_WI-P13-S023","whole_current_source_accepted":false}},{"source_id":"S_WI-S024","urls":["https://www.wicourts.gov/formdisplay/SC-301.pdf?formNumber=SC-301&formType=Form&formatId=2&language=en"],"researcher_record":{"Source ID":"S024","Issuer / title / complete literal URL":"Wisconsin Court System, SC-301—Small Claims Summons and Complaint Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/SC-301.pdf?formNumber=SC-301&formType=Form&formatId=2&language=en","Exact pinpoint, edition, and status":"Rev. 04/23; printed p.1 / zero 0 inspected","Actual body read / limitation":"Partial visual read sufficient for commencement/answer fields; not full local procedure. \nWisconsin Court System"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R006","scope":"Complete first-page SC301instructions: debtor appear/file by stated date/time, bank20-day answer and pending-court hold. Second-page amounts not fully reviewed/adopted.","version_and_limits":"04/23,printedp1/PDF0; alternative return instructions, not actual completed form or current799body.","pass_scoped_source_alias":"S_WI-P13-S024","whole_current_source_accepted":false}},{"source_id":"S_WI-S025","urls":["https://www.wicourts.gov/formdisplay/SC-303.pdf?formNumber=SC-303&formType=Form&formatId=2&language=en"],"researcher_record":{"Source ID":"S025","Issuer / title / complete literal URL":"Wisconsin Court System, SC-303—Small Claims Debtor’s Answer Non-Earnings Garnishment. https://www.wicourts.gov/formdisplay/SC-303.pdf?formNumber=SC-303&formType=Form&formatId=2&language=en","Exact pinpoint, edition, and status":"Rev. 11/19; printed pp.1–2 / zero 0–1","Actual body read / limitation":"Full text and both images inspected. \nWisconsin Court System\n+1"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R007","scope":"Entire two-page SC303: exemption checklist and20-day debtor delivery/footer. Preserve tension/cumulative possibilities with SC301/guide instructions.","version_and_limits":"11/19,printedpp1–2/PDF0–1; no chosen actual deadline or full current exemptions.","pass_scoped_source_alias":"S_WI-P13-S025","whole_current_source_accepted":false}},{"source_id":"S_WI-S026","urls":["https://www.wicourts.gov/forms1/circuit/ccform.jsp?Category=15&FormName=&FormNumber=&StatuteCite=&SubCat=Garnishments&beg_date=&end_date=","https://www.wicourts.gov/forms1/circuit/ccform.jsp?Category=15&FormName=&FormNumber=&StatuteCite=&SubCat=Garnishments&beg_date=&end_date=&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S026","Issuer / title / complete literal URL":"Wisconsin Court System, Civil Garnishment Forms Index. https://www.wicourts.gov/forms1/circuit/ccform.jsp?Category=15&FormName=&FormNumber=&StatuteCite=&SubCat=Garnishments&beg_date=&end_date=","Exact pinpoint, edition, and status":"Current public index listing CV-301–304 and GF-105 revisions","Actual body read / limitation":"Fresh official index read; no form submission. \nWisconsin Court System"},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S026","whole_current_source_accepted":false}},{"source_id":"S_WI-S027","urls":["https://www.wicourts.gov/forms1/ccformsindex.pdf","https://www.wicourts.gov/forms1/ccformsindex.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S027","Issuer / title / complete literal URL":"Wisconsin Court System, Clerk of Circuit Court Forms Index. https://www.wicourts.gov/forms1/ccformsindex.pdf","Exact pinpoint, edition, and status":"Relevant entries printed p.9 / zero 8 and p.48 / zero 47","Actual body read / limitation":"Relevant text read; complete 54-page visual audit not performed. \nWisconsin Court System"},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S027","whole_current_source_accepted":false}},{"source_id":"S_WI-S028","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/815/18/3/j/6/b?down=1","https://docs.legis.wisconsin.gov/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S028","Issuer / title / complete literal URL":"Wisconsin Legislature, official §815.18 deposit-account index/snippet. https://docs.legis.wisconsin.gov/statutes/statutes/815/18/3/j/6/b?down=1","Exact pinpoint, edition, and status":"Search body exposes §815.18(3)(k), $5,000 personal-use account exemption","Actual body read / limitation":"Fresh official snippet read; full body timed out. \nWisconsin Legislative Documents"},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S028","whole_current_source_accepted":false}},{"source_id":"S_WI-S029","urls":["https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/"],"researcher_record":{"Source ID":"S029","Issuer / title / complete literal URL":"Nonofficial 2025 read-aid, Wis. Stat. §815.18—Property exempt from execution. https://law.justia.com/codes/wisconsin/chapter-815/section-815-18/","Exact pinpoint, edition, and status":"Definitions; (3)(ds), (k), (n); (4)–(13)","Actual body read / limitation":"Fresh relevant body read; nonofficial and current-body hold preserved. \nJustia Law\n+2"},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S029","whole_current_source_accepted":false}},{"source_id":"S_WI-S030","urls":["https://law.justia.com/codes/wisconsin/chapter-425/section-425-106/"],"researcher_record":{"Source ID":"S030","Issuer / title / complete literal URL":"Nonofficial 2025 read-aid, Wis. Stat. §425.106—Consumer-transaction exempt property. https://law.justia.com/codes/wisconsin/chapter-425/section-425-106/","Exact pinpoint, edition, and status":"§425.106(1)–(4)","Actual body read / limitation":"Fresh complete body read; nonofficial. \nJustia Law"},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S030","whole_current_source_accepted":false}},{"source_id":"S_WI-S031","urls":["https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html","https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S031","Issuer / title / complete literal URL":"Wisconsin Supreme Court opinion reproduction, John O. Melby & Co. Bank v. Anderson, 88 Wis. 2d 252 (1979). https://law.justia.com/cases/wisconsin/supreme-court/1979/76-426-7.html","Exact pinpoint, edition, and status":"Full published opinion text; deposited-wage CCPA issue","Actual body read / limitation":"Fresh full opinion reproduction read; not official Wisconsin Court System host. \nJustia Law"},"coordinator_verification_status":"not_newly_reopened_original_limit_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":null,"scope":"Originalfailed/index/read-aid/opinionreproductionlimitationretained;notfreshprimary/currentnessverification.","version_and_limits":"Originalresearcheraccessclaimonly;nofreshbodyorabsenceinference.","pass_scoped_source_alias":"S_WI-P13-S031","whole_current_source_accepted":false}},{"source_id":"S_WI-S032","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.2"],"researcher_record":{"Source ID":"S032","Issuer / title / complete literal URL":"eCFR, 31 C.F.R. §212.2—Scope. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.2","Exact pinpoint, edition, and status":"§§212.2(a)–(b); Title 31 current Oct. 23, 2026","Actual body read / limitation":"Fresh complete body read. \neCFR"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R008","scope":"Entire212.2entity and benefit-program scope. Referenced RRB/OPM underlying bodies not opened, military/other federal payments not accepted.","version_and_limits":"eCFRselectedsection body, not full programme law.","pass_scoped_source_alias":"S_WI-P13-S032","whole_current_source_accepted":false}},{"source_id":"S_WI-S033","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3"],"researcher_record":{"Source ID":"S033","Issuer / title / complete literal URL":"eCFR, §212.3—Definitions. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3","Exact pinpoint, edition, and status":"Account, holder, benefit payment, order, lookback, protected amount","Actual body read / limitation":"Fresh complete relevant body read. \neCFR\n+2"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R009","scope":"Entire212.3definitions, including exactACHcriteria, ownership,lookback/open-closeposting cutoffs and review-timebalance. No actual ACH/account data.","version_and_limits":"Title31 displayedup-to-date26Oct2026,lastamended15Oct2026; authoritative but unofficial eCFR. No entireamendmentchain or pixel read.","pass_scoped_source_alias":"S_WI-P13-S033","whole_current_source_accepted":false}},{"source_id":"S_WI-S034","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.4"],"researcher_record":{"Source ID":"S034","Issuer / title / complete literal URL":"eCFR, §212.4—Initial action on receipt. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.4","Exact pinpoint, edition, and status":"§§212.4(a)–(c)","Actual body read / limitation":"Fresh complete body read. \neCFR"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R010","scope":"Complete212.4initial order/AppendixBcheck, two-business-day boundary and branch. 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No complete tracing/setoff adjudication.","version_and_limits":"CurrenteCFR; no private contract reviewed.","pass_scoped_source_alias":"S_WI-P13-S038","whole_current_source_accepted":false}},{"source_id":"S_WI-S039","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.9"],"researcher_record":{"Source ID":"S039","Issuer / title / complete literal URL":"eCFR, §212.9—Preemption. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.9","Exact pinpoint, edition, and status":"§§212.9(a)–(b)","Actual body read / limitation":"Fresh complete body read. \neCFR"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R015","scope":"Complete212.9conflict-limited preemption and compatiblegreaterstate protection.","version_and_limits":"CurrenteCFR; actualstate/federalinteraction held.","pass_scoped_source_alias":"S_WI-P13-S039","whole_current_source_accepted":false}},{"source_id":"S_WI-S040","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.10"],"researcher_record":{"Source ID":"S040","Issuer / title / complete literal URL":"eCFR, §212.10—Safe harbor. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.10","Exact pinpoint, edition, and status":"§§212.10(a)–(d)","Actual body read / limitation":"Fresh complete body read. \neCFR"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R016","scope":"Complete212.10good-faith safeharbors, optional information, bona-fideerror, clearing adjustments and expressdatedpost-service holder instruction.","version_and_limits":"CurrenteCFR; no blanket immunity, actualcompliance or private remedies opinion.","pass_scoped_source_alias":"S_WI-P13-S040","whole_current_source_accepted":false}},{"source_id":"S_WI-S041","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.11"],"researcher_record":{"Source ID":"S041","Issuer / title / complete literal URL":"eCFR, §212.11—Compliance and retention. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.11","Exact pinpoint, edition, and status":"§§212.11(a)–(b)","Actual body read / limitation":"Fresh complete body read. \neCFR"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R017","scope":"Complete212.11agency enforcement and records for notlessthantwoyears from receipt.","version_and_limits":"CurrenteCFR; no actual record/audit/account investigation.","pass_scoped_source_alias":"S_WI-P13-S041","whole_current_source_accepted":false}},{"source_id":"S_WI-S042","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20A%20to%20Part%20212"],"researcher_record":{"Source ID":"S042","Issuer / title / complete literal URL":"eCFR, Appendix A—Model account-holder notice. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20A%20to%20Part%20212","Exact pinpoint, edition, and status":"Model and safe-harbor preface","Actual body read / limitation":"Fresh body read; no form used. \neCFR"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R018","scope":"EntireAppendixA model material: optional/proper-use safeharbor, conditionaljurisdictional forms and optionalcontacts. No prescribed localdeadline requirement appears in this selectedcomplete model.","version_and_limits":"CurrenteCFRmodel, not mandatory wording/Wisconsin exemption form or any completed notice.","pass_scoped_source_alias":"S_WI-P13-S042","whole_current_source_accepted":false}},{"source_id":"S_WI-S043","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20B%20to%20Part%20212"],"researcher_record":{"Source ID":"S043","Issuer / title / complete literal URL":"eCFR, Appendix B—Notice of Right to Garnish Federal Benefits. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20B%20to%20Part%20212","Exact pinpoint, edition, and status":"Complete notice and qualifying authorities","Actual body read / limitation":"Fresh complete body read. \neCFR"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R019","scope":"EntireAppendixBmaterial: organisationalletterhead, US/support authority alternatives and ordinaryprocedures instructions.","version_and_limits":"CurrenteCFRform, not proofanyactualgovernment order/benefit is reachable.","pass_scoped_source_alias":"S_WI-P13-S043","whole_current_source_accepted":false}},{"source_id":"S_WI-S044","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20C%20to%20Part%20212"],"researcher_record":{"Source ID":"S044","Issuer / title / complete literal URL":"eCFR, Appendix C—Lookback and protected-amount examples. https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20C%20to%20Part%20212","Exact pinpoint, edition, and status":"Examples 1–5","Actual body read / limitation":"Fresh complete relevant body read. \neCFR\n+1"},"coordinator_verification_status":"selected_official_material_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_id":"WI13-R020","scope":"CompleteAppendixCmaterial: fourlookback andfiveprotectedamount illustrations. Originalreportmatched example-structure noted; new agency financial inputs were not adopted or recomputed.","version_and_limits":"CurrenteCFRexamples; yearless illustrative weekdays not imported into report2026dates.","pass_scoped_source_alias":"S_WI-P13-S044","whole_current_source_accepted":false}},{"source_id":"S_WI-S045","urls":["https://uscode.house.gov/us/usc/119-124/t42/s407/"],"researcher_record":{"Source ID":"S045","Issuer / title / complete literal URL":"U.S. House OLRC, 42 U.S.C. §407—Assignment of benefits. https://uscode.house.gov/us/usc/119-124/t42/s407/","Exact pinpoint, edition, and status":"§§407(a)–(c); through Pub. 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No whole1383orSSIeligibility/conductregime.","version_and_limits":"OLRCthroughPL119-124,15Oct2026 asdisplayed; surroundingnonmaterialbenefitprocedures not certified.","pass_scoped_source_alias":"S_WI-P13-S046","whole_current_source_accepted":false}},{"source_id":"S_WI-S047","urls":["https://uscode.house.gov/us/usc/119-124/t38/s5301/"],"researcher_record":{"Source ID":"S047","Issuer / title / complete literal URL":"U.S. House OLRC, 38 U.S.C. §5301—VA benefit exemption. https://uscode.house.gov/us/usc/119-124/t38/s5301/","Exact pinpoint, edition, and status":"§5301(a)–(d); through Pub. 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hearing"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C012","S_WI-P13-C013","S_WI-P13-C014","S_WI-P13-C015","S_WI-P13-C016","S_WI-P13-C017","S_WI-P13-C018","S_WI-P13-C019","S_WI-P13-C020"],"coordinator_direct_source_ids":["S_WI-S010","S_WI-S011","S_WI-S012","S_WI-S013","S_WI-S014","S_WI-S015","S_WI-S016","S_WI-S017","S_WI-S018"],"coordinator_source_ids":["S_WI-S004","S_WI-S009","S_WI-S010","S_WI-S011","S_WI-S012","S_WI-S013","S_WI-S014","S_WI-S015","S_WI-S016","S_WI-S017","S_WI-S018","S_WI-S019","S_WI-S022"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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/root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Partial/guidance","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"13 Postjudgment prerequisite","researcher_record":{"#":"13","Requested subissue":"Postjudgment prerequisite","Status":"Answered with hold","Claims":"C004","Evidence":"S003","Exact remaining body/fact or next action":"Current judgment enforceability"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C004"],"coordinator_direct_source_ids":["S_WI-S003"],"coordinator_source_ids":["S_WI-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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generally","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"20 Filing commencement","researcher_record":{"#":"20","Requested subissue":"Filing commencement","Status":"Answered","Claims":"C006","Evidence":"S004","Exact remaining body/fact or next action":"Actual e-filing excluded"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C006"],"coordinator_direct_source_ids":["S_WI-S004"],"coordinator_source_ids":["S_WI-S004"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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read-aid","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"22 Garnishee service","researcher_record":{"#":"22","Requested subissue":"Garnishee service","Status":"Answered generally","Claims":"C007","Evidence":"S007","Exact remaining body/fact or next action":"Chapter 801/local rules"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C007"],"coordinator_direct_source_ids":["S_WI-S007"],"coordinator_source_ids":["S_WI-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered generally","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"23 Debtor service within 10 days","researcher_record":{"#":"23","Requested subissue":"Debtor service within 10 days","Status":"Answered","Claims":"C007","Evidence":"S007","Exact remaining body/fact or next action":"Actual service date"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C007"],"coordinator_direct_source_ids":["S_WI-S007"],"coordinator_source_ids":["S_WI-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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textually","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"25 $3 garnishee fee","researcher_record":{"#":"25","Requested subissue":"$3 garnishee fee","Status":"Answered","Claims":"C008","Evidence":"S006","Exact remaining body/fact or next action":"Current body held"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C008"],"coordinator_direct_source_ids":["S_WI-S006"],"coordinator_source_ids":["S_WI-S006"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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hold","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"27 Funds leaving before implementation","researcher_record":{"#":"27","Requested subissue":"Funds leaving before implementation","Status":"Answered","Claims":"C010","Evidence":"S015","Exact remaining body/fact or next action":"Fraud/transfer issues"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C010"],"coordinator_direct_source_ids":["S_WI-S015"],"coordinator_source_ids":["S_WI-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"32 Known exemption disclosure","researcher_record":{"#":"32","Requested subissue":"Known exemption disclosure","Status":"Answered","Claims":"C011","Evidence":"S008","Exact remaining body/fact or next action":"Not final determination"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C011"],"coordinator_direct_source_ids":["S_WI-S008"],"coordinator_source_ids":["S_WI-S008"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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reference]","finding_ids":["S_WI-P13-Q001"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"35 Debtor exemption claim","researcher_record":{"#":"35","Requested subissue":"Debtor exemption claim","Status":"Answered","Claims":"C012, C023","Evidence":"S011, S021/S025","Exact remaining body/fact or next action":"Proof and election"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C012","S_WI-P13-C023"],"coordinator_direct_source_ids":["S_WI-S011","S_WI-S021","S_WI-S025"],"coordinator_source_ids":["S_WI-S011","S_WI-S021","S_WI-S025","S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q001"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"36 Creditor reply to garnishee answer","researcher_record":{"#":"36","Requested subissue":"Creditor reply to garnishee answer","Status":"Answered","Claims":"C013","Evidence":"S010","Exact remaining body/fact or next action":"Actual receipt"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C013"],"coordinator_direct_source_ids":["S_WI-S010"],"coordinator_source_ids":["S_WI-S010"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"37 Creditor objection to debtor answer","researcher_record":{"#":"37","Requested subissue":"Creditor objection to debtor answer","Status":"Partial/form supported","Claims":"C013, C052","Evidence":"S026–S027","Exact remaining body/fact or next action":"Exact current statutory deadline"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C013","S_WI-P13-C052"],"coordinator_direct_source_ids":["S_WI-S026","S_WI-S027"],"coordinator_source_ids":["S_WI-S010","S_WI-S019","S_WI-S020","S_WI-S021","S_WI-S022","S_WI-S023","S_WI-S024","S_WI-S025","S_WI-S026","S_WI-S027"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Partial/form supported","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"38 Court trial/hearing","researcher_record":{"#":"38","Requested subissue":"Court trial/hearing","Status":"Answered generally","Claims":"C012–C019","Evidence":"S010–S013","Exact remaining body/fact or next action":"Local scheduling"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C012","S_WI-P13-C013","S_WI-P13-C014","S_WI-P13-C015","S_WI-P13-C016","S_WI-P13-C017","S_WI-P13-C018","S_WI-P13-C019"],"coordinator_direct_source_ids":["S_WI-S010","S_WI-S011","S_WI-S012","S_WI-S013"],"coordinator_source_ids":["S_WI-S004","S_WI-S009","S_WI-S010","S_WI-S011","S_WI-S012","S_WI-S013","S_WI-S014","S_WI-S019","S_WI-S022"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered generally","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"39 Garnishee default exposure","researcher_record":{"#":"39","Requested subissue":"Garnishee default exposure","Status":"Answered conditionally","Claims":"C014","Evidence":"S004, S019","Exact remaining body/fact or next action":"Motion/default notice"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C014"],"coordinator_direct_source_ids":["S_WI-S004","S_WI-S019"],"coordinator_source_ids":["S_WI-S004","S_WI-S019"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered conditionally","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"40 Debtor-property-only limitation","researcher_record":{"#":"40","Requested subissue":"Debtor-property-only limitation","Status":"Answered","Claims":"C015","Evidence":"S014","Exact remaining body/fact or next action":"Ownership evidence"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C015"],"coordinator_direct_source_ids":["S_WI-S014"],"coordinator_source_ids":["S_WI-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"41 Claim cap","researcher_record":{"#":"41","Requested subissue":"Claim cap","Status":"Answered","Claims":"C015","Evidence":"S014","Exact remaining body/fact or next action":"Actual judgment amount"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C015"],"coordinator_direct_source_ids":["S_WI-S014"],"coordinator_source_ids":["S_WI-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"42 Excess property release","researcher_record":{"#":"42","Requested subissue":"Excess property release","Status":"Answered","Claims":"C016","Evidence":"S014","Exact remaining body/fact or next action":"Account/property facts"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C016"],"coordinator_direct_source_ids":["S_WI-S014"],"coordinator_source_ids":["S_WI-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"43 Debtor petition to release excess","researcher_record":{"#":"43","Requested subissue":"Debtor petition to release excess","Status":"Answered","Claims":"C016","Evidence":"S014","Exact remaining body/fact or next action":"Notice/local procedure"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C016"],"coordinator_direct_source_ids":["S_WI-S014"],"coordinator_source_ids":["S_WI-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"44 Voluntary payment to clerk","researcher_record":{"#":"44","Requested subissue":"Voluntary payment to clerk","Status":"Answered","Claims":"C017","Evidence":"S009","Exact remaining body/fact or next action":"Actual answer/debt due"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C017"],"coordinator_direct_source_ids":["S_WI-S009"],"coordinator_source_ids":["S_WI-S009"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"45 Creditor written-request 5-day rule","researcher_record":{"#":"45","Requested subissue":"Creditor written-request 5-day rule","Status":"Answered","Claims":"C017","Evidence":"S009","Exact remaining body/fact or next action":"Receipt and due-date facts"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C017"],"coordinator_direct_source_ids":["S_WI-S009"],"coordinator_source_ids":["S_WI-S009"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"46 Court order to pay/release","researcher_record":{"#":"46","Requested subissue":"Court order to pay/release","Status":"Answered","Claims":"C018","Evidence":"S012, S022","Exact remaining body/fact or next action":"Local order"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C018"],"coordinator_direct_source_ids":["S_WI-S012","S_WI-S022"],"coordinator_source_ids":["S_WI-S012","S_WI-S022"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"47 Third-party impleader","researcher_record":{"#":"47","Requested subissue":"Third-party impleader","Status":"Answered","Claims":"C019","Evidence":"S013","Exact remaining body/fact or next action":"Service/claim merits"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C019"],"coordinator_direct_source_ids":["S_WI-S013"],"coordinator_source_ids":["S_WI-S013"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"48 Release bond","researcher_record":{"#":"48","Requested subissue":"Release bond","Status":"Answered conditionally","Claims":"C020","Evidence":"S017","Exact remaining body/fact or next action":"Sureties and court amount"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C020"],"coordinator_direct_source_ids":["S_WI-S017"],"coordinator_source_ids":["S_WI-S017"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered conditionally","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"49 Deposit-account definition","researcher_record":{"#":"49","Requested subissue":"Deposit-account definition","Status":"Answered with currentness hold","Claims":"C021","Evidence":"S029","Exact remaining body/fact or next action":"Official current body"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C021"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered with currentness hold","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"50 Aggregate value definition","researcher_record":{"#":"50","Requested subissue":"Aggregate value definition","Status":"Answered","Claims":"C021","Evidence":"S029","Exact remaining body/fact or next action":"Equity evidence"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C021"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"51 $5,000 exemption","researcher_record":{"#":"51","Requested subissue":"$5,000 exemption","Status":"Answered with source bound","Claims":"C022","Evidence":"S028–S029, S021/S025","Exact remaining body/fact or next action":"Official full body absent"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C022"],"coordinator_direct_source_ids":["S_WI-S021","S_WI-S025","S_WI-S028","S_WI-S029"],"coordinator_source_ids":["S_WI-S021","S_WI-S025","S_WI-S028","S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered with source bound","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"52 Personal-use condition","researcher_record":{"#":"52","Requested subissue":"Personal-use condition","Status":"Answered","Claims":"C022","Evidence":"S028–S029","Exact remaining body/fact or next action":"Actual account use"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C022"],"coordinator_direct_source_ids":["S_WI-S028","S_WI-S029"],"coordinator_source_ids":["S_WI-S028","S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"53 Business-account exclusion","researcher_record":{"#":"53","Requested subissue":"Business-account exclusion","Status":"Answered","Claims":"C022","Evidence":"S028–S029","Exact remaining body/fact or next action":"Mixed-use classification"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C022"],"coordinator_direct_source_ids":["S_WI-S028","S_WI-S029"],"coordinator_source_ids":["S_WI-S028","S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"54 Aggregate across accounts","researcher_record":{"#":"54","Requested subissue":"Aggregate across accounts","Status":"Answered conceptually","Claims":"C021–C022","Evidence":"S029","Exact remaining body/fact or next action":"Complete account list"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C021","S_WI-P13-C022"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S028","S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered conceptually","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"55 Adjustment/indexing","researcher_record":{"#":"55","Requested subissue":"Adjustment/indexing","Status":"No mechanism located; currentness held","Claims":"C022","Evidence":"S028–S029","Exact remaining body/fact or next action":"Official current body"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C022"],"coordinator_direct_source_ids":["S_WI-S028","S_WI-S029"],"coordinator_source_ids":["S_WI-S028","S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"No mechanism located; currentness held","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"56 Affirmative exemption claim","researcher_record":{"#":"56","Requested subissue":"Affirmative exemption claim","Status":"Answered","Claims":"C023","Evidence":"S029","Exact remaining body/fact or next action":"Actual communication"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C023"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"57 Claim before disposition","researcher_record":{"#":"57","Requested subissue":"Claim before disposition","Status":"Answered","Claims":"C023","Evidence":"S029","Exact remaining body/fact or next action":"Court-disposition date"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C023"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"58 Contractual prejudgment waiver","researcher_record":{"#":"58","Requested subissue":"Contractual prejudgment waiver","Status":"Answered as void in read-aid","Claims":"C023","Evidence":"S029","Exact remaining body/fact or next action":"Current body"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C023"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered as void in read-aid","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"59 Partial exemption procedure","researcher_record":{"#":"59","Requested subissue":"Partial exemption procedure","Status":"Answered","Claims":"C025","Evidence":"S029","Exact remaining body/fact or next action":"Valuation"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C025"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"60 Spousal exemptions","researcher_record":{"#":"60","Requested subissue":"Spousal exemptions","Status":"Partial","Claims":"C024","Evidence":"S029","Exact remaining body/fact or next action":"Marital property/ownership"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C024"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Partial","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"61 Resident/nonresident exemption law","researcher_record":{"#":"61","Requested subissue":"Resident/nonresident exemption law","Status":"Answered textually","Claims":"C024","Evidence":"S029","Exact remaining body/fact or next action":"Actual domicile"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C024"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered textually","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"62 General tracing rule","researcher_record":{"#":"62","Requested subissue":"General tracing rule","Status":"Answered","Claims":"C024–C025","Evidence":"S029","Exact remaining body/fact or next action":"Source-specific express exceptions"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C024","S_WI-P13-C025"],"coordinator_direct_source_ids":["S_WI-S029"],"coordinator_source_ids":["S_WI-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"63 Consumer-credit election","researcher_record":{"#":"63","Requested subissue":"Consumer-credit election","Status":"Answered","Claims":"C026","Evidence":"S029–S030","Exact remaining body/fact or next action":"Underlying transaction"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C026"],"coordinator_direct_source_ids":["S_WI-S029","S_WI-S030"],"coordinator_source_ids":["S_WI-S029","S_WI-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"64 Deposit exemption under §425.106","researcher_record":{"#":"64","Requested subissue":"Deposit exemption under §425.106","Status":"Not found in read body","Claims":"C026","Evidence":"S030","Exact remaining body/fact or next action":"Other greater protection may exist"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C026"],"coordinator_direct_source_ids":["S_WI-S030"],"coordinator_source_ids":["S_WI-S029","S_WI-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Not found in read body","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"65 Wages after deposit","researcher_record":{"#":"65","Requested subissue":"Wages after deposit","Status":"Answered federal boundary","Claims":"C027","Evidence":"S031","Exact remaining body/fact or next action":"Wisconsin exemption still tested"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C027"],"coordinator_direct_source_ids":["S_WI-S031"],"coordinator_source_ids":["S_WI-S031"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered federal boundary","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"66 Joint-account ownership","researcher_record":{"#":"66","Requested subissue":"Joint-account ownership","Status":"Unresolved merits","Claims":"C028","Evidence":"S008, S013–S014","Exact remaining body/fact or next action":"Account agreement/contributions"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C028"],"coordinator_direct_source_ids":["S_WI-S008","S_WI-S013","S_WI-S014"],"coordinator_source_ids":["S_WI-S008","S_WI-S013","S_WI-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Unresolved merits","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"67 Bank setoff","researcher_record":{"#":"67","Requested subissue":"Bank setoff","Status":"Unresolved merits","Claims":"C011, C028","Evidence":"S008","Exact remaining body/fact or next action":"Agreement/priority law"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C011","S_WI-P13-C028"],"coordinator_direct_source_ids":["S_WI-S008"],"coordinator_source_ids":["S_WI-S008","S_WI-S013","S_WI-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Unresolved merits","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"68 Competing garnishment orders","researcher_record":{"#":"68","Requested subissue":"Competing garnishment orders","Status":"Unresolved state priority","Claims":"C028, C041","Evidence":"S008, S036","Exact remaining body/fact or next action":"Separate priority pass"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C028","S_WI-P13-C041"],"coordinator_direct_source_ids":["S_WI-S008","S_WI-S036"],"coordinator_source_ids":["S_WI-S008","S_WI-S013","S_WI-S014","S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Unresolved state priority","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"69 State funds tracing/commingling","researcher_record":{"#":"69","Requested subissue":"State funds tracing/commingling","Status":"Partial","Claims":"C024–C028","Evidence":"S029, S031","Exact remaining body/fact or next action":"Specific source facts"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C024","S_WI-P13-C025","S_WI-P13-C026","S_WI-P13-C027","S_WI-P13-C028"],"coordinator_direct_source_ids":["S_WI-S029","S_WI-S031"],"coordinator_source_ids":["S_WI-S008","S_WI-S013","S_WI-S014","S_WI-S029","S_WI-S030","S_WI-S031"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Partial","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"70 Part 212 institution scope","researcher_record":{"#":"70","Requested subissue":"Part 212 institution scope","Status":"Answered","Claims":"C029","Evidence":"S032","Exact remaining body/fact or next action":"Actual institution"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C029"],"coordinator_direct_source_ids":["S_WI-S032"],"coordinator_source_ids":["S_WI-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"71 Covered benefit programs","researcher_record":{"#":"71","Requested subissue":"Covered benefit programs","Status":"Answered","Claims":"C029","Evidence":"S032","Exact remaining body/fact or next action":"Program-specific exceptions"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C029"],"coordinator_direct_source_ids":["S_WI-S032"],"coordinator_source_ids":["S_WI-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"72 Account-holder definition","researcher_record":{"#":"72","Requested subissue":"Account-holder definition","Status":"Answered","Claims":"C030","Evidence":"S033","Exact remaining body/fact or next action":"Actual ownership record"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C030"],"coordinator_direct_source_ids":["S_WI-S033"],"coordinator_source_ids":["S_WI-S033"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"73 Coded direct-deposit definition","researcher_record":{"#":"73","Requested subissue":"Coded direct-deposit definition","Status":"Answered","Claims":"C030","Evidence":"S033","Exact remaining body/fact or next action":"ACH data"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C030"],"coordinator_direct_source_ids":["S_WI-S033"],"coordinator_source_ids":["S_WI-S033"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"74 Paper-check treatment","researcher_record":{"#":"74","Requested subissue":"Paper-check treatment","Status":"Answered as outside automated definition","Claims":"C030, C037","Evidence":"S033","Exact remaining body/fact or next action":"Underlying exemption remains"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C030","S_WI-P13-C037"],"coordinator_direct_source_ids":["S_WI-S033"],"coordinator_source_ids":["S_WI-S033","S_WI-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered as outside automated definition","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"75 Transferred benefit funds","researcher_record":{"#":"75","Requested subissue":"Transferred benefit funds","Status":"Answered as outside inter-account tracing","Claims":"C036–C040","Evidence":"S035, S038","Exact remaining body/fact or next action":"Separate tracing claim"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C036","S_WI-P13-C037","S_WI-P13-C038","S_WI-P13-C039","S_WI-P13-C040"],"coordinator_direct_source_ids":["S_WI-S035","S_WI-S038"],"coordinator_source_ids":["S_WI-S035","S_WI-S036","S_WI-S038"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered as outside inter-account tracing","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"76 Lookback formula","researcher_record":{"#":"76","Requested subissue":"Lookback formula","Status":"Answered","Claims":"C031","Evidence":"S033, S044","Exact remaining body/fact or next action":"Review date"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C031"],"coordinator_direct_source_ids":["S_WI-S033","S_WI-S044"],"coordinator_source_ids":["S_WI-S033","S_WI-S044"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q003"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"77 Protected-amount formula","researcher_record":{"#":"77","Requested subissue":"Protected-amount formula","Status":"Answered","Claims":"C032","Evidence":"S033, S044","Exact remaining body/fact or next action":"Deposits/balance"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C032"],"coordinator_direct_source_ids":["S_WI-S033","S_WI-S044"],"coordinator_source_ids":["S_WI-S033","S_WI-S044"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q003"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"78 Appendix B initial review","researcher_record":{"#":"78","Requested subissue":"Appendix B initial review","Status":"Answered","Claims":"C033","Evidence":"S034, S043","Exact remaining body/fact or next action":"Qualifying issuer/authority"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C033"],"coordinator_direct_source_ids":["S_WI-S034","S_WI-S043"],"coordinator_source_ids":["S_WI-S034","S_WI-S043"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"79 Two-business-day Appendix B check","researcher_record":{"#":"79","Requested subissue":"Two-business-day Appendix B check","Status":"Answered","Claims":"C033","Evidence":"S034","Exact remaining body/fact or next action":"Business-day definition"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C033"],"coordinator_direct_source_ids":["S_WI-S034"],"coordinator_source_ids":["S_WI-S034","S_WI-S043"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"80 Two-business-day account review","researcher_record":{"#":"80","Requested subissue":"Two-business-day account review","Status":"Answered","Claims":"C034","Evidence":"S035","Exact remaining body/fact or next action":"Holder information"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C034"],"coordinator_direct_source_ids":["S_WI-S035"],"coordinator_source_ids":["S_WI-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"81 Large-batch later-review branch","researcher_record":{"#":"81","Requested subissue":"Large-batch later-review branch","Status":"Answered","Claims":"C034","Evidence":"S035","Exact remaining body/fact or next action":"Creditor permission/records"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C034"],"coordinator_direct_source_ids":["S_WI-S035"],"coordinator_source_ids":["S_WI-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"82 Review despite commingling","researcher_record":{"#":"82","Requested subissue":"Review despite commingling","Status":"Answered","Claims":"C035","Evidence":"S035","Exact remaining body/fact or next action":"Ownership of excess separate"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C035"],"coordinator_direct_source_ids":["S_WI-S035"],"coordinator_source_ids":["S_WI-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"83 Review despite co-owner","researcher_record":{"#":"83","Requested subissue":"Review despite co-owner","Status":"Answered","Claims":"C035","Evidence":"S035, S044","Exact remaining body/fact or next action":"State ownership separate"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C035"],"coordinator_direct_source_ids":["S_WI-S035","S_WI-S044"],"coordinator_source_ids":["S_WI-S035","S_WI-S044"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q003"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"84 Multiple benefits/beneficiaries","researcher_record":{"#":"84","Requested subissue":"Multiple benefits/beneficiaries","Status":"Answered","Claims":"C035","Evidence":"S035, S044","Exact remaining body/fact or next action":"No ownership adjudication"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C035"],"coordinator_direct_source_ids":["S_WI-S035","S_WI-S044"],"coordinator_source_ids":["S_WI-S035","S_WI-S044"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q003"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"85 Separate review for each account","researcher_record":{"#":"85","Requested subissue":"Separate review for each account","Status":"Answered","Claims":"C036","Evidence":"S035","Exact remaining body/fact or next action":"Account inventory"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C036"],"coordinator_direct_source_ids":["S_WI-S035"],"coordinator_source_ids":["S_WI-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q003"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"86 No bank inter-account tracing","researcher_record":{"#":"86","Requested subissue":"No bank inter-account tracing","Status":"Answered","Claims":"C036","Evidence":"S035","Exact remaining body/fact or next action":"Claimant tracing may differ"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C036"],"coordinator_direct_source_ids":["S_WI-S035"],"coordinator_source_ids":["S_WI-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q003"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"87 No coded payment branch","researcher_record":{"#":"87","Requested subissue":"No coded payment branch","Status":"Answered","Claims":"C037","Evidence":"S035","Exact remaining body/fact or next action":"Other exemptions preserved"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C037"],"coordinator_direct_source_ids":["S_WI-S035"],"coordinator_source_ids":["S_WI-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"88 Automatic protected amount","researcher_record":{"#":"88","Requested subissue":"Automatic protected amount","Status":"Answered","Claims":"C038–C039","Evidence":"S036","Exact remaining body/fact or next action":"Complete review facts"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C038","S_WI-P13-C039"],"coordinator_direct_source_ids":["S_WI-S036"],"coordinator_source_ids":["S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"89 No exemption assertion needed","researcher_record":{"#":"89","Requested subissue":"No exemption assertion needed","Status":"Answered","Claims":"C038","Evidence":"S036","Exact remaining body/fact or next action":"Only calculated amount"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C038"],"coordinator_direct_source_ids":["S_WI-S036"],"coordinator_source_ids":["S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"90 Conclusive part-212 exemption","researcher_record":{"#":"90","Requested subissue":"Conclusive part-212 exemption","Status":"Answered","Claims":"C039","Evidence":"S036","Exact remaining body/fact or next action":"Greater exemptions separate"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C039"],"coordinator_direct_source_ids":["S_WI-S036"],"coordinator_source_ids":["S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"91 Excess funds state process","researcher_record":{"#":"91","Requested subissue":"Excess funds state process","Status":"Answered","Claims":"C040","Evidence":"S036–S038","Exact remaining body/fact or next action":"Actual exemption claim"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C040"],"coordinator_direct_source_ids":["S_WI-S036","S_WI-S037","S_WI-S038"],"coordinator_source_ids":["S_WI-S036","S_WI-S037","S_WI-S038"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"92 One review per order","researcher_record":{"#":"92","Requested subissue":"One review per order","Status":"Answered","Claims":"C041","Evidence":"S036","Exact remaining body/fact or next action":"New-order identity"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C041"],"coordinator_direct_source_ids":["S_WI-S036"],"coordinator_source_ids":["S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"93 New order/new review","researcher_record":{"#":"93","Requested subissue":"New order/new review","Status":"Answered","Claims":"C041","Evidence":"S036","Exact remaining body/fact or next action":"State priority held"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C041"],"coordinator_direct_source_ids":["S_WI-S036"],"coordinator_source_ids":["S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"94 No freeze of later deposits under old order","researcher_record":{"#":"94","Requested subissue":"No freeze of later deposits under old order","Status":"Answered","Claims":"C041","Evidence":"S036","Exact remaining body/fact or next action":"New order exception"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C041"],"coordinator_direct_source_ids":["S_WI-S036"],"coordinator_source_ids":["S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"95 Protected-amount fee ban","researcher_record":{"#":"95","Requested subissue":"Protected-amount fee ban","Status":"Answered","Claims":"C042","Evidence":"S036","Exact remaining body/fact or next action":"Other fee authority"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C042"],"coordinator_direct_source_ids":["S_WI-S036"],"coordinator_source_ids":["S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"96 Five-business-day fee branch","researcher_record":{"#":"96","Requested subissue":"Five-business-day fee branch","Status":"Answered","Claims":"C042","Evidence":"S036","Exact remaining body/fact or next action":"Nonbenefit deposit amount"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C042"],"coordinator_direct_source_ids":["S_WI-S036"],"coordinator_source_ids":["S_WI-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"97 Federal notice trigger","researcher_record":{"#":"97","Requested subissue":"Federal notice trigger","Status":"Answered","Claims":"C043","Evidence":"S037","Exact remaining body/fact or next action":"Protected plus excess"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C043"],"coordinator_direct_source_ids":["S_WI-S037"],"coordinator_source_ids":["S_WI-S037"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q002"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"98 Federal notice content","researcher_record":{"#":"98","Requested subissue":"Federal notice content","Status":"Answered","Claims":"C043","Evidence":"S037","Exact remaining body/fact or next action":"State additions allowed"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C043"],"coordinator_direct_source_ids":["S_WI-S037"],"coordinator_source_ids":["S_WI-S037"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q002"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"99 Three-business-day notice","researcher_record":{"#":"99","Requested subissue":"Three-business-day notice","Status":"Answered","Claims":"C043","Evidence":"S037","Exact remaining body/fact or next action":"Business-day definition"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C043"],"coordinator_direct_source_ids":["S_WI-S037"],"coordinator_source_ids":["S_WI-S037"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q002"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"100 Optional federal model notice","researcher_record":{"#":"100","Requested subissue":"Optional federal model notice","Status":"Answered","Claims":"C043","Evidence":"S042","Exact remaining body/fact or next action":"Not mandatory"},"raw_table_index":5,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C043"],"coordinator_direct_source_ids":["S_WI-S042"],"coordinator_source_ids":["S_WI-S037","S_WI-S042"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q002"],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"101 Additional federal exemption preserved","researcher_record":{"#":"101","Requested subissue":"Additional federal exemption preserved","Status":"Answered","Claims":"C040","Evidence":"S038","Exact remaining body/fact or next action":"Claim/tracing required"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C040"],"coordinator_direct_source_ids":["S_WI-S038"],"coordinator_source_ids":["S_WI-S036","S_WI-S038"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"102 State greater-protection rule","researcher_record":{"#":"102","Requested subissue":"State greater-protection rule","Status":"Answered","Claims":"C044","Evidence":"S039","Exact remaining body/fact or next action":"Compatibility analysis"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C044"],"coordinator_direct_source_ids":["S_WI-S039"],"coordinator_source_ids":["S_WI-S039"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"103 Federal bank safe harbor","researcher_record":{"#":"103","Requested subissue":"Federal bank safe harbor","Status":"Answered","Claims":"C045","Evidence":"S040","Exact remaining body/fact or next action":"Good-faith compliance"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C045"],"coordinator_direct_source_ids":["S_WI-S040"],"coordinator_source_ids":["S_WI-S040"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"104 Federal retention period","researcher_record":{"#":"104","Requested subissue":"Federal retention period","Status":"Answered","Claims":"C046","Evidence":"S041","Exact remaining body/fact or next action":"Actual records excluded"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C046"],"coordinator_direct_source_ids":["S_WI-S041"],"coordinator_source_ids":["S_WI-S041"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"105 Social Security protection","researcher_record":{"#":"105","Requested subissue":"Social Security protection","Status":"Answered","Claims":"C047","Evidence":"S045","Exact remaining body/fact or next action":"Express statutory exceptions"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C047"],"coordinator_direct_source_ids":["S_WI-S045"],"coordinator_source_ids":["S_WI-S045"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"106 SSI protection","researcher_record":{"#":"106","Requested subissue":"SSI protection","Status":"Answered","Claims":"C048","Evidence":"S046","Exact remaining body/fact or next action":"Actual benefit classification"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C048"],"coordinator_direct_source_ids":["S_WI-S046"],"coordinator_source_ids":["S_WI-S046"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"107 VA protection","researcher_record":{"#":"107","Requested subissue":"VA protection","Status":"Answered with exceptions","Claims":"C049","Evidence":"S047","Exact remaining body/fact or next action":"Full program application"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C049"],"coordinator_direct_source_ids":["S_WI-S047"],"coordinator_source_ids":["S_WI-S047"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered with exceptions","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"108 RRB underlying statute","researcher_record":{"#":"108","Requested subissue":"RRB underlying statute","Status":"Deferred","Claims":"C050","Evidence":"S032","Exact remaining body/fact or next action":"Read 45 U.S.C. bodies"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C050"],"coordinator_direct_source_ids":["S_WI-S032"],"coordinator_source_ids":["S_WI-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"109 OPM underlying statute","researcher_record":{"#":"109","Requested subissue":"OPM underlying statute","Status":"Deferred","Claims":"C050","Evidence":"S032","Exact remaining body/fact or next action":"Read 5 U.S.C. bodies"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C050"],"coordinator_direct_source_ids":["S_WI-S032"],"coordinator_source_ids":["S_WI-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"110 Military retired pay","researcher_record":{"#":"110","Requested subissue":"Military retired pay","Status":"Excluded/unresearched","Claims":"C050","Evidence":"—","Exact remaining body/fact or next action":"Separate program statute"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C050"],"coordinator_direct_source_ids":[],"coordinator_source_ids":["S_WI-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Excluded/unresearched","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"111 Federal/support Appendix B exception","researcher_record":{"#":"111","Requested subissue":"Federal/support Appendix B exception","Status":"Answered gateway","Claims":"C033","Evidence":"S043","Exact remaining body/fact or next action":"Underlying authority required"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C033"],"coordinator_direct_source_ids":["S_WI-S043"],"coordinator_source_ids":["S_WI-S034","S_WI-S043"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered gateway","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"112 Debt cancellation","researcher_record":{"#":"112","Requested subissue":"Debt cancellation","Status":"Answered negatively as boundary","Claims":"C051","Evidence":"Sources above","Exact remaining body/fact or next action":"Merits separate"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C051"],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered negatively as boundary","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"113 Official forms versus statute","researcher_record":{"#":"113","Requested subissue":"Official forms versus statute","Status":"Answered","Claims":"C052","Evidence":"S019–S027","Exact remaining body/fact or next action":"Current bodies/local rules"},"raw_table_index":5,"coordinator_acceptance":"scoped_read_with_original_currentness_and_application_holds","coordinator_claim_ids":["S_WI-P13-C052"],"coordinator_direct_source_ids":["S_WI-S019","S_WI-S020","S_WI-S021","S_WI-S022","S_WI-S023","S_WI-S024","S_WI-S025","S_WI-S026","S_WI-S027"],"coordinator_source_ids":["S_WI-S019","S_WI-S020","S_WI-S021","S_WI-S022","S_WI-S023","S_WI-S024","S_WI-S025","S_WI-S026","S_WI-S027"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"Answered","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"114 Article/calculator opportunities","researcher_record":{"#":"114","Requested subissue":"Article/calculator opportunities","Status":"Answered as design 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vary"},"raw_table_index":6,"coordinator_acceptance":"bounded_qualification_UNSENT","coordinator_claim_ids":["S_WI-P13-C006","S_WI-P13-C007","S_WI-P13-C008","S_WI-P13-C009","S_WI-P13-C010","S_WI-P13-C011","S_WI-P13-C012","S_WI-P13-C013","S_WI-P13-C014","S_WI-P13-C015","S_WI-P13-C016","S_WI-P13-C017","S_WI-P13-C018","S_WI-P13-C052"],"coordinator_direct_source_ids":[],"coordinator_source_ids":["S_WI-S004","S_WI-S006","S_WI-S007","S_WI-S008","S_WI-S009","S_WI-S010","S_WI-S011","S_WI-S012","S_WI-S014","S_WI-S015","S_WI-S019","S_WI-S020","S_WI-S021","S_WI-S022","S_WI-S023","S_WI-S024","S_WI-S025","S_WI-S026","S_WI-S027"],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["S_WI-P13-Q001"],"original_status_preserved":"Addressed through official 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unreviewed"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D17 Validation and account documentation","researcher_record":{"#":"D17","Deferred family":"Validation and account documentation","Reason":"P03 unreviewed"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D18 Medical assistance and medical debt","researcher_record":{"#":"D18","Deferred family":"Medical assistance and medical debt","Reason":"P07 unreviewed"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D19 Credit reporting and identity theft","researcher_record":{"#":"D19","Deferred family":"Credit reporting and identity theft","Reason":"P04-P06/P09/P12 separate"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D20 Provider fees, settlement contracts, and client funds","researcher_record":{"#":"D20","Deferred family":"Provider fees, settlement contracts, and client funds","Reason":"P01 unreviewed"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D21 Full private remedies, damages, standing, and limitations","researcher_record":{"#":"D21","Deferred family":"Full private remedies, damages, standing, and limitations","Reason":"Only procedural consequences addressed"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D22 Local clerk rules and current filing fees","researcher_record":{"#":"D22","Deferred family":"Local clerk rules and current filing fees","Reason":"County-specific"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D23 Actual bank agreement, account history, ownership, or benefit record","researcher_record":{"#":"D23","Deferred family":"Actual bank agreement, account history, ownership, or benefit record","Reason":"Private facts excluded"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D24 Current integrated Wisconsin statutes","researcher_record":{"#":"D24","Deferred family":"Current integrated Wisconsin statutes","Reason":"Chapter 812 and §815.18 body gap"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D25 Complete citator and unpublished orders","researcher_record":{"#":"D25","Deferred family":"Complete citator and unpublished orders","Reason":"Not performed"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}},{"topic":"D26 Publication, operational approval, Wisconsin parent, or A066 acceptance","researcher_record":{"#":"D26","Deferred family":"Publication, operational approval, Wisconsin parent, or A066 acceptance","Reason":"Expressly withheld"},"raw_table_index":7,"coordinator_acceptance":"special_or_deferred_branch_preserved","coordinator_claim_ids":[],"coordinator_direct_source_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T05:16:25.889975+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"deferred","scope":"Researcheransweredlabelisnotcurrentprimarylawacceptance;exactmissingquestions,judicial/state/currentness/local/factholdsretained.","state_or_parent_accepted":false}}],"annotations":{},"corrections":[{"issue_id":"S_WI-P13-Q001","finding":"Qualify the debtor20-day clock for small claims and preserve competing form instructions The general civilCV301andCV303give a debtor20-dayinstruction. Small-claimsSC301instead directs appearance or writtenanswer by the date/time stated on the summons, and SC6071Vfollows that instruction; SC303also retains a20-dayfooter. These officialmaterials must not be flattened into one universally applicable debtor clock. This is a competing-or-cumulative-instructions hold, not a determination that20daysisfalse or either form is legally invalid. The report already retains local return-date holds, which are preserved and made explicit beside the clock.","affected_claim_ids":["S_WI-P13-C012","S_WI-P13-C052"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.wicourts.gov/formdisplay/CV-301.pdf?formNumber=CV-301&formType=Form&formatId=2&language=en","https://www.wicourts.gov/formdisplay/CV-303.pdf?formNumber=CV-303&formType=Form&formatId=2&language=en","https://www.wicourts.gov/formdisplay/SC-301.pdf?formNumber=SC-301&formType=Form&formatId=2&language=en","https://www.wicourts.gov/formdisplay/SC-303.pdf?formNumber=SC-303&formType=Form&formatId=2&language=en","https://www.wicourts.gov/formdisplay/SC-6071V_instructions.pdf?formNumber=SC-6071V&formType=Instructions&formatId=2&language=en"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_WI-P13-Q002","finding":"Clarify mandatory notice content and omitted delivery limitations The phrase “must explain … applicable procedure or deadline where known” is imprecise relative to212.7(b)(9): the rule requires explaining the right to assert further exemptions through customary forms/court/creditor routes, and(b)(10)requires the right to consult counsel/legal aid. The phrase should not be reused as a uniform Part212duty to state a known localdeadline. Optional state integration is distinct under(d). The complete notice rules also contain(e)recipient/fiduciary and garnishment-related-enclosure restrictions, absent from the report’s answered notice coverage. The existing trigger and three-dayrule are supported. This is a bounded clarity/coverage qualification, not a conclusion that the report expressly prohibited other-law disclosures or misstated every notice requirement.","affected_claim_ids":["S_WI-P13-C043"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.7","https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20A%20to%20Part%20212"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_WI-P13-Q003","finding":"Make protected-amount posting cutoffs and no-fund-tracing premise explicit The min formula and supplied dollarresults are correct on their stipulated qualifyingdeposits.212.3defines the deposit sum with specific close/open-of-business posting cutoffs and a review-timebalance, rather than an unspecified rolling-date sum. Workflow7’s phrase “if the4000codedbenefits remain within the balance” could be read to add a surviving-dollar tracing condition; clarify that the mechanical rule counts qualifying postedpayments without tracing particular surviving dollars or the co-owner’sbeneficialshare. Its supplied9000balance and4000deposits already yield4000under the min formula, without deciding ownership of excess. The report otherwise correctly states the per-account rule and separate interaccount-tracing limit; these are reuse qualifications, not a false numeric result finding.","affected_claim_ids":["S_WI-P13-C031","S_WI-P13-C032","S_WI-P13-C035","S_WI-P13-C036"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.3","https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.5","https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/section-212.6","https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-212/appendix-Appendix%20C%20to%20Part%20212"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_WI-P13-SCOPED-REVIEW","status":"reviewed_with_three_UNSENT_qualifications_and_state_judicial_application_holds","at":null}]}