This dated narrative contains pending corrections. Read the notes, then expand the original text.
SettleADebt S_WI PASS-11
Wisconsin ordinary consumer-judgment earnings garnishment
Actual fresh source-access date: October 26, 2026, America/Los_Angeles; October 27, 2026 UTC.
Historical baseline: October 22, 2026 Pacific.
Mode/model: Regular Chat, GPT-5.6 Sol Pro. No separately exposed power tier, quota state, reset, or measured model ranking is available to report.
Component boundary: Ordinary Wisconsin postjudgment earnings garnishment. Non-earnings garnishment, bank-account levy, benefit-fund seizure after deposit, execution against property, exemptions in particular property, support collection, tax levy, federal administrative garnishment, student-loan garnishment, restitution, bankruptcy, and tribal or foreign enforcement remain separate.
P08 established only the reviewed boundary that earnings and non-earnings garnishment were deferred. P10 is saved but remains separately checked. P01-P03, P07, and P09 remain unreviewed and supply no accepted premise.
Source-currentness qualification
A fresh attempt to open the Wisconsin Legislature’s official chapter 812 PDF endpoint was unsuccessful. An official search result identifies the chapter publication as an 11-page Wisconsin statutes document updated on August 5, 2026, but the body could not be rendered through the available public route.
I therefore used:
- current Wisconsin Court System forms and guidance, including the June 2026 poverty schedule;
- official Wisconsin Legislature section-index snippets where obtainable;
- freshly read 2025 Wisconsin statute reproductions as nonofficial read-aids, never relabeled as primary enacted-body reads; and
- current federal statutes, regulations, Department of Labor guidance, and the 2026 federal poverty guideline.
The complete current integrated Wisconsin chapter 812 body remains an explicit currentness hold. The conclusions below are strongest where the read-aid text, official section snippet, and current official court form agree. Wisconsin Legislative Documents+2
Executive disposition
An ordinary Wisconsin earnings garnishment is not simply “20% of gross wages.”
For an ordinary civil money judgment, the process generally requires:
- an unsatisfied money judgment;
- filing an earnings-garnishment notice in a court with proper venue;
- service on the employer/garnishee and debtor within statutory windows;
- service of the required exemption and answer materials;
- calculation from disposable earnings, not gross earnings;
- application of Wisconsin’s 80% exemption, the federal CCPA minimum-wage floor, support priority, poverty protection, and any complete public-assistance exemption;
- sequential treatment of multiple ordinary earnings garnishments;
- a debtor-answer and court-hearing process; and
- observance of the ordinary 13-week duration, subject to a written extension or a special-category rule.
A useful conditional formula for an ordinary order—where the state and federal disposable-earnings figures happen to be equal—is:
Maximum ordinary withholding = the lowest nonnegative amount produced by:
20% of Wisconsin disposable earnings;
disposable earnings minus the federal minimum-wage floor for the pay period;
25% of disposable earnings minus court-ordered support assigned for that pay period; and
household income minus the applicable Wisconsin poverty guideline.
If the debtor’s household income is below the poverty line, or the debtor satisfies the identified need-based-public-assistance branch, ordinary earnings are completely exempt. If state and federal disposable earnings differ because the deduction definitions differ, each legal limit must be calculated on its own proper base rather than forcing both formulas to use the same number. Justia Law+3
G1. Actor, gateway, and process
1. Covered proceeding
The Wisconsin earnings-garnishment subchapter governs an action to collect an unsatisfied civil money judgment, with statutory interest and allowed costs, from earnings payable by a garnishee to the debtor. The process applies regardless of the amount of the underlying judgment. S_WI-P11-C001–C002. Justia Law+1
It does not determine whether the judgment was validly entered, whether it remains enforceable, whether service before judgment was valid, or whether the creditor owns the judgment. Those remain P08 or separate validity questions.
2. Statutory actors
| Actor |
Working definition for this component |
Material qualification |
| Creditor |
Person with a claim against the debtor |
Actual ownership, assignment, and judgment balance are unsupplied |
| Debtor |
Person whose earnings are being garnished; may be the judgment debtor or the judgment debtor’s spouse whose earnings are marital property |
Spousal earnings are not automatically reachable without the statutory marital-property predicate |
| Garnishee |
Employer or other person owing earnings to the debtor |
A bank merely holding deposited wages is a non-earnings garnishee, outside this pass |
| Court |
Includes a circuit-court commissioner assigned to the proceeding |
Local assignment and procedure remain county-specific |
| Dependent |
Spouse living in the household and another person whom the debtor is legally required to support and actually supports substantially |
It is not every roommate or person claimed on an unrelated form |
C003–C006. Justia Law+2
3. Earnings and disposable earnings
Wisconsin’s reproduced definition of earnings includes compensation paid or payable for personal services—wages, salary, commission, bonus, or similar compensation—and periodic pension or retirement payments.
Wisconsin disposable earnings are what remain after deducting:
- Social Security taxes; and
- federal and Wisconsin income taxes shown on the wage statement.
The federal CCPA uses a broader formulation: earnings remaining after amounts required by law to be withheld. Department of Labor guidance identifies taxes, Social Security, Medicare, state unemployment tax, and legally required retirement withholding as examples; voluntary insurance, union dues, optional retirement contributions, wage assignments, and similar voluntary deductions usually do not reduce federal disposable earnings. C005, C026–C027. Justia Law+3
This difference matters. A payroll item cannot be subtracted merely because it appears on a pay stub.
4. Venue and existing judgment
The read-aid text indicates:
- ordinary civil procedure applies where the earnings subchapter does not provide otherwise;
- venue is determined under Wisconsin’s venue provisions;
- the garnishee is treated as a defendant for venue purposes; and
- an earnings garnishment generally may not be commenced in a county other than the judgment county unless a transcript of the judgment has been entered there.
C008. Justia Law
No actual county, judgment transcript, or venue is determined here.
5. Commencement and required forms
The proceeding begins by filing an earnings-garnishment notice. After the filing fee is addressed, the clerk supplies the prescribed earnings-garnishment forms. A local rule may permit forms to issue before filing, but the notice then must be filed within five business days after service on the garnishee.
A creditor seeking to collect a payday loan may not use the earnings-garnishment process described in §812.35. C009. Justia Law+1
The official forms index identifies:
- CV-421, Earnings Garnishment Notice;
- CV-422, Earnings Garnishment;
- CV-423, Exemption Notice;
- CV-424, Debtor’s Answer;
- CV-425, Creditor’s Objection and Demand for Hearing;
- CV-426, Exemption Worksheet;
- CV-427, Poverty Guidelines; and
- CV-478, Hardship Petition.
The forms implement the procedure but do not replace the statute or certify local acceptance in all 72 counties. Wisconsin Court System
6. Service sequence
The statutory read-aid and official small-claims guide establish the following general sequence:
- Serve the garnishee with the earnings-garnishment form, any required answer form, and the $15 garnishee fee.
- Complete service on the garnishee within 60 days after the notice was filed.
- Serve the debtor with the garnishment, exemption notice, blank answer, exemption worksheet, and current poverty schedule.
- Serve the debtor:within 60 days after filing;no more than seven business days after garnishee service; andat least three business days before the first affected payday.
- For debtor service, mailing is completed on mailing under the reproduced statute.
The court guide permits specified sheriff, private-process-server, mail, and acknowledgment methods and warns that the creditor may not personally hand the debtor the packet. That is court-system guidance, and county-specific service practice remains held. C010. Justia Law+2
7. Garnishee’s initial response
If the garnishee is unlikely to owe earnings in pay periods beginning during the next 13 weeks, it must notify the creditor by the end of the seventh business day after receipt.
If another ordinary earnings garnishment is already pending, the new garnishment is retained and generally begins with the pay period after the earlier garnishment terminates. The garnishee must notify the debtor and creditor about the pending garnishment information by the end of the seventh business day. C011, C013. Wisconsin Court System+1
8. Duration
An ordinary private-employer earnings garnishment reaches pay periods beginning within 13 weeks after service on the garnishee, unless:
- the judgment is paid earlier;
- another pending garnishment delays activation;
- the debtor and creditor execute a valid written extension;
- a court order resets the operative service date after a hearing; or
- a special branch such as public employment or victim restitution applies.
C012. Wisconsin Court System+1
Written extension
The debtor and creditor may agree in writing to extend the garnishment for additional pay periods beginning during another period of up to 13 weeks. The extension must reach the garnishee with another $15 fee before the existing garnishment ends. If a different garnishment is served before the extension takes effect, the extension is void and the fee must be returned. C014. Justia Law+1
An extension is not a unilateral creditor renewal.
9. Special duration branches
The official form states that garnishments involving:
- employees of Wisconsin or its political subdivisions; and
- qualifying victim-restitution orders,
remain in effect until the judgment is satisfied, rather than following the ordinary 13-week duration. Those are special categories and are not treated as ordinary consumer-judgment workflows in this pass. C015. Wisconsin Court System+1
10. Garnishee fees
The reproduced statute provides:
- a $15 garnishee fee for each garnishment and each extension, paid by the creditor and generally added to the creditor’s claim; and
- after the first payment, a $3 fee for each payment delivered to the creditor, deducted from the money otherwise sent to the creditor.
The $3 is not described as an additional deduction on top of the lawful amount withheld from the debtor; it reduces the remittance to the creditor. The public-employee branch differs. C016. Justia Law+1
G2. Exemptions, limits, income, dependents, and competing orders
11. Wisconsin’s ordinary 80% exemption
For an ordinary judgment—subject to the poverty, assistance, support, hardship, and special-debt branches—80% of the debtor’s Wisconsin disposable earnings are exempt. The state ordinary percentage ceiling is therefore 20%. C017. Justia Law+1
That does not mean 20% is always withheld. Lower federal, poverty, or support limits can control.
12. Federal CCPA ceiling
For an ordinary garnishment, federal law permits no more than the lesser of:
- 25% of federal disposable earnings; or
- the amount by which federal disposable earnings exceed 30 times the federal minimum hourly wage for a weekly period, transformed to an equivalent amount for longer pay periods.
The federal minimum wage remains $7.25 an hour. Therefore, the protected floors currently used by DOL are:
| Pay period |
30-times equivalent: no ordinary federal garnishment at or below |
Point at which 25% can become the federal maximum |
| Weekly |
$217.50 |
$290.00 |
| Biweekly |
$435.00 |
$580.00 |
| Semimonthly |
$471.25 |
$628.33 |
| Monthly |
$942.50 |
$1,256.66 |
C018, C040, C043. U.S. Code+3
The date wages are paid or payable—not the date the garnishment order was issued—controls which federal minimum-wage amount is used. eCFR
13. Combined ordinary calculation
The current official Wisconsin worksheet calculates the ordinary amount by:
- taking the lesser of 20% of Wisconsin disposable earnings or the amount over the federal pay-period floor;
- separately calculating 25% of disposable earnings minus court-ordered support;
- taking the lower of those results; and
- reducing that amount further if it would push household income below the Wisconsin poverty schedule.
The worksheet is dated October 2010 and contains an old subsection citation, so it is not current statutory text by itself. Its calculation is, however, consistent with the current official CV-422/CV-423 forms and the 2025 statutory read-aid. C019. Wisconsin Court System+3
A conditional expression is:
ordinary amount = min(state 20% cap, federal floor cap, support-residual cap, poverty-residual cap)
with each amount floored at zero and each base calculated using its proper legal definition.
14. Complete poverty exemption
The debtor’s earnings are completely exempt from ordinary earnings garnishment if the household income is below the poverty line.
“Household income” includes:
- the disposable earnings of the debtor and dependents;
- their unearned income for the relevant month; less
- the debtor’s earnings assigned by court order for support or maintenance.
C006–C007, C020. Justia Law+2
There is no separately verified generic Wisconsin “head of household gets X%” formula. Wisconsin instead uses the defined dependent, household-income, support, and poverty analysis.
15. Need-based-public-assistance exemption
Ordinary earnings are totally exempt where the debtor:
- is receiving a listed need-based benefit;
- received such assistance within the six months before service on the garnishee; or
- has been found eligible, although benefits have not started.
The reproduced definition includes specified public relief, Medical Assistance, Supplemental Security Income, FoodShare/food stamps, and qualifying need-based veterans benefits. C007, C021. Justia Law+2
This is an exemption from this earnings-garnishment process. It is not a conclusion that assistance already deposited in a bank account is protected from a non-earnings levy; that is a future component.
16. Partial poverty protection
If the otherwise applicable ordinary garnishment would push household income below the poverty line, the amount is limited to household income above the applicable poverty threshold. C022. Justia Law+1
Thus a debtor can be above the poverty line and still have less than the ordinary 20% withheld.
17. Current Wisconsin poverty schedule
The official Wisconsin CV-427 applies to earnings from July 1, 2026 through June 30, 2027:
| Family size |
Weekly |
Biweekly |
Semimonthly |
Monthly |
| 1 |
$307 |
$614 |
$665 |
$1,330 |
| 2 |
$416 |
$832 |
$902 |
$1,803 |
| 3 |
$525 |
$1,051 |
$1,138 |
$2,277 |
| 4 |
$635 |
$1,269 |
$1,375 |
$2,750 |
| 5 |
$744 |
$1,488 |
$1,612 |
$3,223 |
| 6 |
$853 |
$1,706 |
$1,848 |
$3,697 |
| 7 |
$962 |
$1,925 |
$2,085 |
$4,170 |
| 8 |
$1,072 |
$2,143 |
$2,322 |
$4,643 |
Each additional family member adds $109 weekly, $218 biweekly, $237 semimonthly, or $473 monthly. C025. Wisconsin Court System
The underlying 2026 HHS guideline for the contiguous states is $15,960 annually for one person, $21,640 for two, $27,320 for three, and $33,000 for four. HHS made its table effective January 13, 2026 unless a program specifies otherwise. Wisconsin’s garnishment statute instead directs annually revised schedules to take effect July 1 for garnishments or extensions beginning thereafter. Federal Register+2
18. Support priority
A court-ordered assignment for support or maintenance takes priority over an ordinary earnings garnishment.
- If support consumes 25% or more of disposable earnings, nothing is available for the ordinary order.
- If support consumes less than 25%, the ordinary amount is reduced so the combined support assignment and ordinary garnishment do not exceed 25%.
C023. Justia Law+1
This is a narrow crossover. The broader support-garnishment ceilings of 50%, 60%, 55%, and 65% belong to the special support branch and are not reworked here. U.S. Code
19. Special debts outside ordinary Wisconsin exemptions
The reproduced §812.34 says its Wisconsin exemptions do not apply where the underlying order is for:
- an approved Wisconsin chapter 128.21 debt-amortization order;
- a federal Chapter 13 bankruptcy order;
- support; or
- unpaid taxes.
The federal CCPA similarly excludes support, Chapter 13, and state or federal tax debts from its ordinary subsection (a) formula, while applying separate support limits. C024, C026. Justia Law+2
Enrollment in ordinary credit counseling, without the identified statutory order, is not established as either a complete exemption or a special garnishment branch.
20. Multiple orders and aggregate ceiling
The CCPA does not set garnishment priorities; state or other federal law determines priority. But the aggregate withholding cannot exceed the applicable CCPA limit.
For Wisconsin ordinary earnings garnishments, the official form uses a queue:
- the later ordinary garnishment waits;
- it starts with the pay period after the earlier ordinary garnishment ends; and
- ordinary orders are not stacked simultaneously merely because multiple creditors served papers.
Support assignments have priority and can exhaust the amount otherwise available to an ordinary creditor. C013, C029. Wisconsin Court System+1
G3. Rights, notices, objections, hearings, employer duties, and remedies
21. Debtor answer
The debtor—or in appropriate circumstances the debtor’s spouse—may deliver an answer to the garnishee at any time while the garnishment is effective and may amend the answer if circumstances change. The official answer form includes claims involving:
- payment;
- bankruptcy discharge or stay;
- a void judgment;
- need-based assistance;
- support assignments;
- poverty;
- excessive withholding; and
- other defenses.
C030. Justia Law+1
The form does not adjudicate the claim by itself.
22. Garnishee treatment of the answer
The garnishee must mail a copy of the debtor’s answer to the creditor by the end of the third business day after receipt and record the receipt date.
Absent a court order, the garnishee accepts the asserted exemption or defense under the statutory process. Where the answer claims a complete exemption or defense, the official form instructs the garnishee not to withhold or pay earnings under that garnishment unless the court orders otherwise. C031–C032. Wisconsin Court System+1
23. Creditor objection and hearing
A creditor that objects to the debtor’s answer may file the designated objection and request a hearing. The court must schedule the matter within five business days after the motion or petition is filed, with the hearing held as promptly as practicable.
The court then makes findings and conclusions and issues the appropriate order. If the garnishment proceeds, service of the court’s order on the garnishee replaces the original service date for computing the new 13-week period. C033. Justia Law+1
The five-business-day requirement is a scheduling duty, not necessarily the date by which the hearing must occur.
24. Hardship relief
Even where the ordinary 80% exemption applies, the debtor may petition for greater relief if the remaining disposable income is insufficient to obtain necessities of life for the debtor and dependents.
The official CV-478 form asks for income after garnishment, dependents, and itemized necessary expenses and permits requests for a lower monthly amount, a stay, or other relief. The debtor must prove the asserted facts. C034. Justia Law+1
No fixed “150% of poverty automatically wins” rule was established. The 150%-monthly column on CV-427 should not be transformed into a universal hardship entitlement without additional authority.
25. Bad-faith answer or objection
The reproduced statute and official notice provide for actual damages, costs, and reasonable attorney fees where:
- a debtor claims an exemption or defense in bad faith; or
- a creditor objects in bad faith.
Intent and bad faith must be established. The existence of an unsuccessful answer or objection alone does not prove the standard. C035. Justia Law+1
No limitations period for that claim was established in this pass.
26. Employer payment to creditor and notice to debtor
For each affected pay period, the garnishee pays the creditor between the fifth and tenth business day after payday. The garnishee must also give the debtor written notice identifying the amount paid to the creditor.
Payment is complete on mailing under the form. C036. Justia Law+1
27. Garnishee liability
If a garnishee fails to comply, the creditor may seek a judgment against it after notice to all parties. The reproduced statute limits defenses and exposure in specified ways.
A debtor can seek actual damages if the garnishee deducts too much. A bona fide error can limit the garnishee’s liability to returning exempt earnings improperly paid. C037. Justia Law
Full garnishee-remedy procedure, service, limitations, and insurance are held.
28. Wisconsin employer-retaliation rule
The reproduced Wisconsin rule states that, unless an applicable collective-bargaining agreement permits it, a garnishee may not:
- impose a fee; or
- take an adverse action against the debtor
because of the earnings garnishment.
It expressly permits an action seeking reinstatement, back wages and benefits, restoration of seniority, other lawful relief, and reasonable attorney fees. C038. Justia Law
Because the integrated official statute body was not retrieved, this remains supported by the 2025 read-aid and official section snippet rather than certified from a freshly read current enacted body.
29. Federal discharge protection
Federal law prohibits an employer from discharging an employee because the employee’s earnings were garnished for one indebtedness, regardless of how many levies or proceedings were used to collect that one debt.
A willful violation can produce a federal criminal fine of up to $1,000, imprisonment for up to one year, or both. The Wage and Hour Division enforces the federal subchapter. C039–C040. U.S. Code+2
This pass does not establish a private federal damages cause of action under §1674. Wisconsin’s reproduced rule may be more protective because it is not textually limited to discharge or one debt. Federal law preserves state laws that provide more limited garnishment or stronger discharge protection. GovInfo
G4. Fictional workflows, clocks, and calculations
The calculations below are illustrations only. They assume an ordinary consumer judgment, no tax/support/Chapter 13 special branch, no conflicting court order, no prior ordinary garnishment unless stated, and accurate wage information.
Where a single disposable-earnings figure is used for both state and federal calculations, the example expressly assumes that all deductions satisfy both definitions.
Example 1 — Weekly wages below the federal floor and poverty line
Facts
- Gross weekly earnings: $260
- Stipulated mandatory deductions recognized under both definitions: $50
- Disposable earnings: $260 − $50 = $210
- Family size: 1
- Household income: $210
- Wisconsin weekly poverty amount: $307
- No support assignment
Candidate limits
- Wisconsin 20%: $210 × 0.20 = $42
- Federal 25%: $210 × 0.25 = $52.50
- Amount over federal floor: max(0, $210 − $217.50) = $0
- Support residual: $52.50
- Poverty residual: max(0, $210 − $307) = $0
Controlling ordinary amount: $0
Disposable remainder: $210
Both the federal floor and the Wisconsin poverty protection independently produce zero. C017–C022, C040.
Adverse branch: Voluntary deductions cannot be added to the $50 merely to lower disposable earnings.
Example 2 — Weekly middle income where the federal floor controls
Facts
- Gross wages: $300
- Qualifying deductions: $50
- Disposable earnings: $250
- Other household income: $250
- Household income: $500
- Family size: 1; poverty amount: $307
- No support
Candidate limits
- Wisconsin 20%: $250 × 0.20 = $50
- Federal 25%: $250 × 0.25 = $62.50
- Federal-floor excess: $250 − $217.50 = $32.50
- Support residual: $62.50
- Poverty residual: $500 − $307 = $193
Controlling amount: $32.50
Debtor’s disposable wages after ordinary withholding: $250 − $32.50 = $217.50
The federal minimum-wage floor is more protective here than Wisconsin’s 20% percentage. C018–C019, C040.
Example 3 — Weekly higher wages where Wisconsin’s 20% controls
Facts
- Gross wages: $650
- Qualifying deductions: $50
- Disposable earnings: $600
- Household income: $900
- Family size: 1; poverty amount: $307
- No support
Candidate limits
- Wisconsin 20%: $600 × 0.20 = $120
- Federal 25%: $600 × 0.25 = $150
- Federal-floor excess: $600 − $217.50 = $382.50
- Support residual: $150
- Poverty residual: $900 − $307 = $593
Controlling amount: $120
Disposable remainder: $600 − $120 = $480
Wisconsin’s 20% cap is more protective than the ordinary federal 25% ceiling. C017–C019.
Example 4 — Biweekly earnings reduced by the poverty cap
Facts
- Gross biweekly wages: $1,100
- Qualifying deductions: $100
- Disposable earnings: $1,000
- Household income: $1,000
- Family size: 2
- Biweekly poverty amount: $832
- No support
Candidate limits
- Wisconsin 20%: $1,000 × 0.20 = $200
- Federal 25%: $1,000 × 0.25 = $250
- Federal-floor excess: $1,000 − $435 = $565
- Support residual: $250
- Poverty residual: $1,000 − $832 = $168
Controlling amount: $168
Disposable remainder: $1,000 − $168 = $832
The poverty protection, not the 20% percentage, controls. C020, C022, C025, C040.
Example 5 — Monthly pay with poverty protection
Facts
- Gross monthly earnings: $1,700
- Qualifying deductions: $200
- Disposable and household income: $1,500
- Family size: 1
- Monthly poverty amount: $1,330
- No support
Candidate limits
- Wisconsin 20%: $1,500 × 0.20 = $300
- Federal 25%: $1,500 × 0.25 = $375
- Federal-floor excess: $1,500 − $942.50 = $557.50
- Support residual: $375
- Poverty residual: $1,500 − $1,330 = $170
Controlling amount: $170
Disposable remainder: $1,330
The calculation must use the monthly floor and monthly Wisconsin poverty amount, not a weekly figure multiplied casually. C019, C022, C025, C043.
Example 6 — Support assignment reduces the ordinary order
Facts
- Weekly disposable earnings: $500
- Court-ordered support assignment: $90
- Household income: $800
- Family size: 1; poverty amount: $307
Candidate limits
- Wisconsin 20%: $500 × 0.20 = $100
- Federal ordinary limit: min($125, $500 − $217.50) = $125
- Wisconsin support residual: ($500 × 0.25) − $90 = $35
- Poverty residual: $800 − $307 = $493
Ordinary creditor amount: $35
Disposable wages after ordinary withholding: $500 − $35 = $465
After both support and ordinary withholding: $500 − $90 − $35 = $375
C023, C029.
Adverse branch: If support were $125 or more, nothing would remain under Wisconsin’s 25%-combined ordinary/support rule.
Example 7 — Need-based-public-assistance branch
Facts
- Weekly disposable earnings: $700
- Debtor was determined eligible for Medical Assistance before service, but benefits have not yet begun
- Ordinary credit-card judgment
- No evidence of fraud or a special debt category
Conditional result: The public-assistance branch makes ordinary earnings completely exempt. The debtor must communicate the claim through the answer process; the garnishee then follows the answer rules unless the court orders otherwise. C021, C030–C033.
Adverse branch: Mere financial hardship without membership in a listed assistance category does not establish this complete exemption; hardship relief under §812.38 is a different route.
Missing record: Eligibility evidence, service date, answer, creditor response, and court order.
Example 8 — Two ordinary creditor garnishments
Facts
- Employer is already implementing Creditor A’s ordinary 13-week garnishment
- Creditor B serves another ordinary earnings garnishment
- No support order or special debt
Conditional result: Creditor B’s garnishment is queued. It generally begins with the pay period after A’s garnishment terminates. The employer gives the required pending-garnishment notices. The two ordinary percentages are not stacked simultaneously. C013, C029.
Adverse branch: A support assignment, tax levy, Chapter 13 order, or other special priority can change the ordering and aggregate analysis.
Example 9 — Debtor answers after withholding begins
Facts
- Debtor initially did not answer
- During week 4, the debtor submits CV-424 claiming a complete poverty exemption
- Garnishee receives the answer on Monday
Required acts
- Garnishee sends a copy to the creditor by the end of the third business day.
- Under the complete-exemption instruction, the garnishee does not withhold or pay further earnings absent a court order.
- Creditor may object and request a hearing.
- Court schedules the matter within five business days after the objection is filed.
C030–C033.
Adverse branch: A knowingly false answer can trigger the bad-faith provision.
Missing record: Household-income documents, receipt dates, objection, and court order.
Example 10 — Service and 13-week calendar
Facts
- Garnishment notice filed before service
- Garnishee served Monday, November 2, 2026
- Debtor packet mailed Tuesday, November 3
- First affected payday Monday, November 9
- No holidays intervene
- No earlier garnishment
Service comparison
- Tuesday service is within seven business days after employer service.
- Wednesday, Thursday, and Friday provide three business days before Monday’s payday.
Duration reference
- Thirteen calendar weeks after November 2 is Monday, February 1, 2027.
- The statute/form reaches pay periods beginning within the 13-week period; the precise treatment of a pay period beginning on the endpoint must be checked against the actual statutory computation, payroll schedule, and any court order rather than inferred from this anniversary alone.
C010, C012, C041.
Example 11 — Employer remittance window
Facts
- Affected payday: Friday, August 7, 2026
- Assume no intervening legal holidays
- Exclude payday itself from counting
Business days 1–5 are August 10–14. Business days 6–10 are August 17–21.
Conditional remittance window: Friday, August 14 through Friday, August 21, 2026. C036, C041.
The actual business-holiday calendar, receipt, mailing, and payroll facts remain controlling.
Example 12 — Employer threatens discharge
Facts
- Employer tells an employee that employment will end because of an ordinary garnishment for one debt
Federal branch: Discharge for one indebtedness is prohibited; willful violation carries the federal criminal consequences stated in §1674. WHD administers the federal protection.
Wisconsin branch: The reproduced Wisconsin provision is broader, prohibiting a fee or adverse action because of garnishment unless permitted by an applicable collective-bargaining agreement and providing an express employee action.
C038–C040.
Adverse branch: Different debts matter to the narrower federal discharge rule, but the reproduced Wisconsin rule is not textually limited to one indebtedness.
Example 13 — Bank funds are outside this pass
Facts
- Wages were deposited into a checking account before a bank received legal process
Result: The bank is not holding “earnings payable by the garnishee” in the employer role analyzed here. Non-earnings garnishment, benefit tracing, property exemptions, deposit-account defenses, and federal-benefit protections require the deferred bank-funds pass. C045.
No earnings formula from this report should be applied mechanically to the account balance.
G5. Gaps, territorial boundaries, and content opportunities
30. Old-to-new disposition
| Prior row |
PASS-11 disposition |
Status |
| P08 D5: “Earnings and non-earnings garnishment — Mechanisms and exemptions deferred.” |
Ordinary earnings garnishment is now researched in PASS-11 |
Separately reviewable; not accepted retroactively in P08 |
| Non-earnings portion of P08 D5 |
Remains deferred |
No bank-levy or property conclusion |
| P08 D6 execution levy/sheriff sale/priority |
Remains deferred |
No property execution research |
| P08 D7 exemption amounts |
Remains deferred except wage-income protections identified here |
No homestead or personal-property schedule |
| P08 current-statute/local/citator holds |
Fully preserved |
Integrated chapter 812 body remains unread |
31. Evidence-backed article and tool opportunities
Wisconsin earnings-garnishment classifier
A safe tool would request only hypothetical or user-entered facts:
- ordinary judgment versus support, tax, Chapter 13, restitution, public employment, or federal administrative debt;
- pay frequency;
- gross earnings;
- each legally required deduction;
- household income;
- legal dependents;
- current public-assistance status;
- support assignment;
- existing ordinary garnishments;
- garnishee-service date;
- debtor-service date;
- first affected pay period; and
- answer, objection, or court-order status.
It must never output simply “20%.”
Conditional withholding worksheet
The calculator should display all candidate limits separately:
- Wisconsin 20%;
- federal 25%;
- federal minimum-wage floor;
- support residual;
- poverty residual;
- complete-assistance exemption; and
- court-ordered hardship modification.
It must flag differing state and federal disposable-earnings bases.
Process checklist
A document checklist could identify:
- CV-421 through CV-427;
- current CV-427 year;
- service proof;
- $15 fee;
- debtor answer;
- creditor objection;
- hardship petition;
- remittance notices;
- pending-order notice; and
- extension stipulation.
No tool, form, filing package, or publication was built or approved in this pass.
Source register — S_WI-P11-S001 onward
All fresh accesses occurred October 26, 2026 Pacific / October 27, 2026 UTC. Resource-specific access times are unavailable.
| Source ID |
Issuer / title / complete literal URL |
Exact pinpoint, edition, and status |
Actual read and limitation |
| S_WI-P11-S001 |
Wisconsin Legislature, Chapter 812—Garnishment, official PDF endpoint. https://docs.legis.wisconsin.gov/document/statutes/ch.%20812.pdf |
Search index identifies an 11-page official chapter document, updated Aug. 5, 2026 |
Bounded official attempt failed/timed out. No integrated-body read; failure is not absence of law. Wisconsin Legislative Documents |
| S002 |
Nonofficial 2025 read-aid, Wis. Stat. §812.30—Definitions. https://law.justia.com/codes/wisconsin/chapter-812/section-812-30/ |
§812.30(1)–(10) |
Full body freshly read; expressly nonofficial and subject to current-source hold. Justia Law+1 |
| S003 |
Nonofficial 2025 read-aid, §812.31—Procedure. https://law.justia.com/codes/wisconsin/chapter-812/section-812-31/ |
§812.31(1)–(4) |
Fresh full body read; nonofficial. Justia Law |
| S004 |
Nonofficial 2025 read-aid, §812.32—Earnings garnishment generally. https://law.justia.com/codes/wisconsin/chapter-812/section-812-32/ |
Complete section |
Fresh body read; nonofficial. Justia Law |
| S005 |
Nonofficial 2025 read-aid, §812.33—Garnishee fees. https://law.justia.com/codes/wisconsin/chapter-812/section-812-33/ |
§812.33(1)–(2) |
Fresh body read; nonofficial. Justia Law |
| S006 |
Nonofficial 2025 read-aid, §812.34—Exemption. https://law.justia.com/codes/wisconsin/chapter-812/section-812-34/ |
§812.34(1)–(3) |
Fresh body read; nonofficial. Official snippets and forms corroborate selected clauses. Justia Law+2 |
| S007 |
Nonofficial 2025 read-aid, §812.35—Commencement. https://law.justia.com/codes/wisconsin/chapter-812/section-812-35/ |
§812.35(1)–(7) |
Fresh body read; nonofficial. Justia Law |
| S008 |
Nonofficial 2025 read-aid, §812.37—Debtor’s answer. https://law.justia.com/codes/wisconsin/chapter-812/section-812-37/ |
Complete section |
Fresh body read; nonofficial. Justia Law |
| S009 |
Nonofficial 2025 read-aid, §812.38—Judicial hearing. https://law.justia.com/codes/wisconsin/chapter-812/section-812-38/ |
§812.38(1)–(3) |
Fresh body read; nonofficial. Justia Law+1 |
| S010 |
Nonofficial 2025 read-aid, §812.39—Payment to creditor. https://law.justia.com/codes/wisconsin/chapter-812/section-812-39/ |
§812.39(1)–(3) |
Fresh body read; nonofficial. Justia Law+1 |
| S011 |
Nonofficial 2025 read-aid, §812.40—Stipulated extension. https://law.justia.com/codes/wisconsin/chapter-812/section-812-40/ |
Complete section |
Fresh body read; nonofficial. Justia Law |
| S012 |
Nonofficial 2025 read-aid, §812.41—Garnishee liability. https://law.justia.com/codes/wisconsin/chapter-812/section-812-41/ |
§812.41(1)–(3) |
Fresh body read; nonofficial. Justia Law |
| S013 |
Nonofficial 2025 read-aid, §812.42—Public officers and employees. https://law.justia.com/codes/wisconsin/chapter-812/section-812-42/ |
Complete section |
Fresh body read; special branch only. Justia Law |
| S014 |
Nonofficial 2025 read-aid, §812.43—Retaliation. https://law.justia.com/codes/wisconsin/chapter-812/section-812-43/ |
Complete section |
Fresh body read; nonofficial; official section snippet corroborated selected text. Justia Law+1 |
| S015 |
Nonofficial 2025 read-aid, §812.44—Forms. https://law.justia.com/codes/wisconsin/chapter-812/section-812-44/ |
§812.44(1)–(6) and prescribed-form text |
Fresh body read; nonofficial. Justia Law+1 |
| S016 |
Wisconsin Legislature section index, §421.301(6)—Business day. https://docs.legis.wisconsin.gov/document/statutes/421.301%2821%29 |
Index text exposes definition excluding Saturdays, Sundays, and listed business holidays |
Official snippet read; full section body not opened. Wisconsin Legislative Documents+1 |
| S017 |
Wisconsin Court System, CV-421 form summary—Earnings Garnishment Notice. https://www.wicourts.gov/formdisplay/CV-421_summary.pdf?formNumber=CV-421&formType=Summary&formatId=2&language=en |
PDF printed p.1 / zero index 0; approval/release metadata and process summary |
Fresh parsed text read; no separate page-image inspection. Form summary, not statute. Wisconsin Court System |
| S018 |
Wisconsin Court System, CV-422—Earnings Garnishment. https://www.wicourts.gov/forms/CV-422.PDF |
Rev. 06/22; printed p.2 / zero index 1: employer duties, duration, formula, support, extension |
Fresh PDF text read and page image visually inspected. Wisconsin Court System |
| S019 |
Wisconsin Court System, CV-423—Exemption Notice. https://www.wicourts.gov/forms/CV-423.pdf |
Rev. 11/21; printed pp.1–2 / zero indexes 0–1 |
Both pages’ text read and both images inspected. Wisconsin Court System+1 |
| S020 |
Wisconsin Court System, CV-424—Debtor’s Answer. https://www.wicourts.gov/forms/CV-424.PDF |
Rev. 11/19; printed p.1 / zero index 0 |
Full text read; image not separately inspected in this pass. Wisconsin Court System |
| S021 |
Wisconsin Court System, CV-425 form summary—Creditor’s Objection. https://www.wicourts.gov/formdisplay/CV-425_summary.pdf?formNumber=CV-425&formType=Summary&formatId=2&language=en |
Approval 11/21/2019; printed p.1 / zero 0 |
Full summary read; form itself not operated or filed. Wisconsin Court System |
| S022 |
Wisconsin Court System, CV-426—Garnishment Exemption Worksheet. https://www.wicourts.gov/forms/cv-426.pdf |
Rev. 10/10; printed p.1 / zero 0 |
Full image inspected. Old revision and outdated subsection citation are limitations. Wisconsin Court System |
| S023 |
Wisconsin Court System, CV-427—Poverty Guidelines for Earnings. https://www.wicourts.gov/forms/cv-427.pdf |
Rev. 06/26; applies July 1, 2026–June 30, 2027; printed p.1 / zero 0 |
Full current image inspected. Wisconsin Court System |
| S024 |
Wisconsin Court System, CV-478—Petition for Relief from Wage Garnishment. https://www.wicourts.gov/formdisplay/CV-478.pdf?formNumber=CV-478&formType=Form&formatId=2&language=en |
Rev. 11/20; printed p.1 / zero 0 |
Full text read; no filing or completion. Wisconsin Court System |
| S025 |
Wisconsin Court System, SC-6070V—Basic Steps for Small Claims Earnings Garnishment. https://www.wicourts.gov/formdisplay/SC-6070V_instructions.pdf?formNumber=SC-6070V&formType=Instructions&formatId=2&language=en |
Rev. 11/21; 5 pages; printed p.2 / zero 1 visually inspected; pp.2–3 text read |
Guidance expressly subject to local rules; not statutory body. Wisconsin Court System+1 |
| S026 |
Wisconsin Court System, Clerk of Circuit Court Forms Index. https://www.wicourts.gov/forms1/ccformsindex.pdf |
54 pages; earnings forms at printed p.12 / zero 11; CV-478 at printed p.16 / zero 15; guides at printed p.53 / zero 52 |
Relevant text read; full 54-page visual review not performed. Wisconsin Court System |
| S027 |
U.S. GPO, 15 U.S.C. §1672—Definitions, 2024 Edition. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-sec1672.htm |
§1672(a)–(c) |
Fresh official body read. GovInfo |
| S028 |
U.S. House OLRC, 15 U.S.C. §1673—Restriction on garnishment. https://uscode.house.gov/us/usc/119-124/t15/s1673/ |
§1673(a)–(c); laws through Pub. L. 119-124, Oct. 15, 2026 |
Fresh current body read. U.S. Code |
| S029 |
U.S. House OLRC, 15 U.S.C. §1674—Discharge protection. https://uscode.house.gov/us/usc/119-124/t15/s1674/ |
§1674(a)–(b); laws through Pub. L. 119-124 |
Fresh current body read. U.S. Code |
| S030 |
U.S. GPO, 15 U.S.C. §§1676–1677, 2024 Edition PDF. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf |
Printed U.S. Code p.1551 / zero PDF index 0; WHD enforcement and state-law savings |
Fresh PDF text and image inspected. GovInfo |
| S031 |
eCFR, 29 C.F.R. Part 870—Restriction on Garnishment. https://www.ecfr.gov/current/title-29/subtitle-B/chapter-V/subchapter-D/part-870 |
§§870.10–870.11; displayed Title 29 current through Oct. 23, 2026 |
Fresh operative body read. eCFR+2 |
| S032 |
U.S. DOL Wage and Hour Division, Fact Sheet #30—Wage Garnishment Protections. https://www.dol.gov/agencies/whd/fact-sheets/30-cppa |
Disposable-earnings deductions, ordinary floors, examples, discharge guidance |
Fresh official guidance read. U.S. Department of Labor+3 |
| S033 |
U.S. DOL Wage and Hour Division, Minimum Wage. https://www.dol.gov/agencies/whd/minimum-wage |
Federal minimum wage $7.25 effective July 24, 2009 |
Fresh official page read. U.S. Department of Labor |
| S034 |
U.S. HHS, 2026 Poverty Guidelines, 91 Fed. Reg. 1797. https://www.federalregister.gov/documents/2026/01/15/2026-00755/annual-update-of-the-hhs-poverty-guidelines |
Contiguous-state table and Jan. 13, 2026 effective date |
Fresh official Federal Register body read. Federal Register+1 |
Source-register count: 34.
Atomic claim register — S_WI-P11-C001 onward
| Claim |
A066 status |
Actor / predicate |
Required act, limit, or effect |
Source pinpoint |
Exception / remaining hold |
| C001 |
Open/not accepted |
Creditor with unsatisfied civil money judgment |
May pursue earnings payable by garnishee |
S004 §812.32 |
Judgment validity/ownership unsupplied |
| C002 |
Open |
Ordinary proceeding |
Applies regardless of judgment amount |
S003 §812.31 |
Special categories separate |
| C003 |
Open |
Creditor/garnishee/court |
Definitions govern roles |
S002 §812.30(2)–(4) |
Actual role facts absent |
| C004 |
Open |
Judgment debtor’s spouse |
Spousal earnings included only under marital-property predicate |
S002 §812.30(4) |
Marital-property law deferred |
| C005 |
Open |
Earnings/disposable earnings |
State definitions determine wage base |
S002 §812.30(6)–(7) |
Federal base can differ |
| C006 |
Open |
Debtor/dependents |
Household and dependent definitions control poverty analysis |
S002 §812.30(5),(8) |
Not generic head-of-household rule |
| C007 |
Open |
Debtor |
Defined need-based assistance and poverty line can create exemptions |
S002 §812.30(9)–(10) |
Actual eligibility proof absent |
| C008 |
Open |
Creditor/court |
Venue and judgment-transcript predicates apply |
S003 §812.31 |
Local venue facts absent |
| C009 |
Open |
Creditor |
File prescribed notice/forms; payday-loan judgment cannot use this process |
S007 §812.35(1)–(2) |
Current integrated text held |
| C010 |
Open |
Creditor |
Serve garnishee/debtor packet within specified windows |
S007 §812.35(3)–(4); S025 p.2 |
Service method/local proof held |
| C011 |
Open |
Garnishee |
If no likely earnings, send seventh-business-day statement |
S007 §812.35(5); S018 p.2 |
Actual employment/payroll facts |
| C012 |
Open |
Ordinary private garnishee |
Garnishment ordinarily reaches pay periods beginning within 13 weeks |
S007 §812.35(6); S018 p.2 |
Court reset/extension/special branch |
| C013 |
Open |
Garnishee with prior ordinary order |
Queue later ordinary order after prior one ends |
S007 §812.35(7); S018 p.2 |
Support/special priorities differ |
| C014 |
Open |
Debtor and creditor |
Written 13-week extension plus $15 fee |
S011 §812.40 |
Later intervening order voids extension |
| C015 |
Open |
Public employee or restitution order |
Special duration until satisfaction |
S013; S018 p.2 |
Full special process excluded |
| C016 |
Open |
Creditor/garnishee |
$15 commencement/extension fee; $3 per remittance after first |
S005 §812.33 |
Public-employer branch differs |
| C017 |
Open |
Ordinary debtor |
80% state disposable earnings exempt |
S006 §812.34(2)(a) |
Lower limits can control |
| C018 |
Open |
Ordinary garnishment |
Federal maximum is lesser of 25% or amount over minimum-wage floor |
S028 §1673(a) |
Support/tax/Chapter 13 exceptions |
| C019 |
Open |
Employer/payroll |
Apply state, federal, support, and poverty limits; use lowest |
S018; S019; S022 |
Bases may differ |
| C020 |
Open |
Household below poverty |
Complete ordinary exemption |
S006 §812.34(2)(b)1 |
Household facts needed |
| C021 |
Open |
Listed assistance recipient/recent recipient/eligible person |
Complete ordinary exemption |
S006 §812.34(2)(b)2 |
Proof/eligibility facts needed |
| C022 |
Open |
Household above poverty but near threshold |
Limit to household income above poverty |
S006 §812.34(2)(c) |
Accurate household income needed |
| C023 |
Open |
Court-ordered support assignment |
Support has priority; ordinary total limited to 25% less support |
S010 §812.39(2); S018 p.2 |
Full support regime deferred |
| C024 |
Open |
Chapter 128.21, Chapter 13, support, tax debt |
Ordinary Wisconsin exemptions do not apply |
S006 §812.34(1) |
Special limits not decided |
| C025 |
Open |
Judicial Conference |
Annual schedules effective July 1; current 2026–27 table verified |
S006 §812.34(3); S023 |
Later year requires new schedule |
| C026 |
Open |
Federal employer |
Federal disposable earnings deduct amounts required by law |
S027 §1672(b) |
Voluntary deductions generally excluded |
| C027 |
Open |
Payroll |
State and federal disposable bases are not necessarily identical |
S002; S027; S032 |
Each deduction needs classification |
| C028 |
Open |
State/federal interaction |
More protective limit controls; federal law preserves stronger state law |
S028; S030 §1677 |
Exact current state body held |
| C029 |
Open |
Multiple orders |
State/other law sets priority; federal aggregate caps remain |
S031 §870.11 |
Special orders may consume capacity |
| C030 |
Open |
Debtor/spouse |
May answer or amend while garnishment is pending |
S008 §812.37 |
Claim can be challenged |
| C031 |
Open |
Garnishee receiving answer |
Forward to creditor by third business day |
S008; S018 p.2 |
Receipt date needed |
| C032 |
Open |
Complete exemption/defense answer |
No withholding/payment absent court order |
S018 p.2 |
Creditor can object |
| C033 |
Open |
Creditor/court |
Objection and hearing; schedule within five business days |
S009 §812.38; S021 |
Hearing date itself not fixed |
| C034 |
Open |
Debtor unable to afford necessities |
May petition for additional hardship relief |
S009 §812.38(2); S024 |
Proof and judicial discretion |
| C035 |
Open |
Debtor or creditor acting in bad faith |
Actual damages, costs, reasonable fees |
S009 §812.38(3); S019 p.2 |
Intent/limitations held |
| C036 |
Open |
Garnishee |
Pay creditor 5–10 business days after payday; notify debtor |
S010 §812.39 |
Actual mailing/payday facts |
| C037 |
Open |
Noncompliant garnishee |
Creditor/debtor remedies and bona fide-error limitation |
S012 §812.41 |
Full remedy procedure deferred |
| C038 |
Open |
Wisconsin garnishee/employer |
No fee or adverse action due to garnishment, subject to CBA exception |
S014 §812.43 |
Current integrated body unread |
| C039 |
Open |
Employer under federal law |
No discharge for one indebtedness |
S029 §1674(a) |
Different debts not federally covered |
| C040 |
Open |
Willful federal violator / WHD |
Criminal penalty; WHD enforcement; state savings |
S029(b); S030 §§1676–1677 |
No private federal action established |
| C041 |
Open |
Parties/court |
Wisconsin business-day definition excludes weekends and listed holidays |
S016; S018 form |
Full official §421.301 body unread |
| C042 |
Open |
Court form user |
Forms implement but do not replace law |
S015; S026 |
Versions/local acceptance differ |
| C043 |
Open |
Nonweekly payroll |
Federal equivalents and pay-period basis apply |
S031 §870.10; S032 |
Use wage rate effective when payable |
| C044 |
Open |
Wisconsin counties |
State forms do not certify all local filing/service practices |
S025; S026 |
County-by-county research deferred |
| C045 |
Open |
Bank holding deposited pay |
Non-earnings procedure, not employer earnings garnishment |
S004; S026 forms index |
Bank/benefit pass deferred |
| C046 |
Open |
Support/tax/student/federal/restitution/public branches |
Separate authority and formulas |
S015; S028; S031 |
Not ordinary component |
| C047 |
Open |
Remedy claimant |
Only specifically sourced remedies are identified |
C035, C037–C040 sources |
Limitations/private causes otherwise held |
| C048 |
Open |
Content/tool designer |
Tool must expose all candidate caps, categories, dates, and uncertainty |
C001–C047 |
No operational or publication approval |
Atomic-claim count: 48.
Complete granular coverage table
| # |
Required subissue |
Status |
Claims |
Exact evidence |
Remaining fact or next action |
| 1 |
Ordinary money-judgment gateway |
Answered with currentness hold |
C001 |
S004 |
Actual judgment excluded |
| 2 |
Judgment amount |
Answered |
C002 |
S003 |
None for generic rule |
| 3 |
Creditor definition |
Answered |
C003 |
S002 |
Ownership facts |
| 4 |
Debtor definition |
Answered |
C003–C004 |
S002 |
Marital-property facts |
| 5 |
Garnishee/employer role |
Answered |
C003 |
S002, S018 |
Actual payroll relation |
| 6 |
Court/commissioner |
Answered |
C003 |
S002 |
Local assignment |
| 7 |
Earnings definition |
Answered |
C005 |
S002 |
Particular payment classification |
| 8 |
Periodic pension |
Answered as statutory earnings |
C005 |
S002 |
ERISA/federal exemption issues held |
| 9 |
Wisconsin disposable earnings |
Answered |
C005 |
S002 |
Deduction facts |
| 10 |
Federal disposable earnings |
Answered |
C026 |
S027, S032 |
Deduction facts |
| 11 |
State/federal base difference |
Answered |
C027 |
S002, S027 |
Payroll-specific |
| 12 |
Dependent definition |
Answered |
C006 |
S002 |
Actual legal-support duty |
| 13 |
Household income |
Answered |
C006 |
S002, S022 |
Monthly/pay-period conversion facts |
| 14 |
Head-of-household percentage |
Not established |
C006 |
S002, S006 |
Do not import another state’s rule |
| 15 |
Need-based assistance categories |
Answered |
C007 |
S002 |
Current program names/eligibility |
| 16 |
Poverty line definition |
Answered |
C007 |
S002 |
Current schedule supplied separately |
| 17 |
Venue |
Answered generally |
C008 |
S003 |
Actual county |
| 18 |
Other-county judgment transcript |
Answered |
C008 |
S003 |
Transcript record |
| 19 |
Filing notice |
Answered |
C009 |
S007, S017 |
Local fee |
| 20 |
Clerk-issued forms |
Answered |
C009, C042 |
S007, S026 |
Local issue procedure |
| 21 |
Pre-issuance local-rule branch |
Answered as conditional |
C009 |
S007, S017 |
County rule |
| 22 |
Payday-loan exclusion |
Answered |
C009 |
S007 |
Underlying loan classification |
| 23 |
Garnishee service within 60 days |
Answered |
C010 |
S007, S025 |
Actual dates |
| 24 |
Debtor service within 60 days |
Answered |
C010 |
S007, S025 |
Actual dates |
| 25 |
Seven-business-day debtor service limit |
Answered |
C010 |
S007, S025 |
Actual garnishee service |
| 26 |
Three-business-day pre-payday notice |
Answered |
C010 |
S007, S025 |
First affected payday |
| 27 |
Debtor packet contents |
Answered |
C010 |
S025 p.2 |
Actual packet |
| 28 |
Service methods |
Partial/guidance |
C010 |
S025 |
Local statutory practice |
| 29 |
Garnishee no-earnings statement |
Answered |
C011 |
S007, S018 |
Payroll expectation |
| 30 |
Ordinary 13-week duration |
Answered |
C012 |
S007, S018 |
Endpoint/pay-period facts |
| 31 |
Earlier payoff termination |
Answered |
C012 |
S015/S018 |
Actual balance |
| 32 |
Pending-order delay |
Answered |
C013 |
S007, S018 |
Prior order end |
| 33 |
Multiple ordinary order queue |
Answered |
C013, C029 |
S018, S031 |
Special priorities |
| 34 |
Written extension |
Answered |
C014 |
S011, S018 |
Actual agreement |
| 35 |
Extension fee |
Answered |
C014, C016 |
S005, S011 |
Payment proof |
| 36 |
Intervening garnishment voiding extension |
Answered |
C014 |
S011 |
Service sequence |
| 37 |
Public employee duration |
Special/deferred |
C015 |
S013, S018 |
Full special branch |
| 38 |
Victim restitution duration |
Special/deferred |
C015 |
S018 |
Full criminal branch |
| 39 |
Initial $15 garnishee fee |
Answered |
C016 |
S005 |
Local additional costs held |
| 40 |
$3 payment fee |
Answered |
C016 |
S005, S018 |
Public-employer exception |
| 41 |
State 80% exemption |
Answered |
C017 |
S006, S019 |
Other branches can lower amount |
| 42 |
State 20% ordinary cap |
Answered |
C017 |
S006 |
Not always amount withheld |
| 43 |
Federal 25% cap |
Answered |
C018 |
S028 |
Special debts |
| 44 |
Federal 30-times floor |
Answered |
C018, C040 |
S028, S033 |
Rate when earnings payable |
| 45 |
Weekly federal floor |
Answered |
C040 |
S032 |
Wage changes future |
| 46 |
Biweekly federal floor |
Answered |
C040, C043 |
S032 |
Correct pay frequency |
| 47 |
Semimonthly federal floor |
Answered |
C040, C043 |
S032 |
Correct pay frequency |
| 48 |
Monthly federal floor |
Answered |
C040, C043 |
S032 |
4⅓-week equivalency |
| 49 |
Lowest-cap interaction |
Answered conditionally |
C019 |
S018–S023, S028 |
Distinct disposable bases |
| 50 |
Full poverty exemption |
Answered |
C020 |
S006, S019 |
Household evidence |
| 51 |
Public-assistance exemption |
Answered |
C021 |
S002, S006 |
Eligibility evidence |
| 52 |
Six-month lookback |
Answered |
C021 |
S006 |
Service date |
| 53 |
Eligible but not yet receiving |
Answered |
C021 |
S006 |
Determination proof |
| 54 |
Partial poverty cap |
Answered |
C022 |
S006, S022 |
Income/support facts |
| 55 |
2026–27 poverty schedule |
Answered |
C025 |
S023 |
Next July update |
| 56 |
Family size 1–8 |
Answered |
C025 |
S023 |
Legal dependent count |
| 57 |
Additional family members |
Answered |
C025 |
S023 |
Family size proof |
| 58 |
Support priority |
Answered narrowly |
C023 |
S010, S018 |
Full support law deferred |
| 59 |
Support at 25% or more |
Answered |
C023 |
S018 |
Actual order |
| 60 |
Support below 25% |
Answered |
C023 |
S010/S018 |
Pay-period allocation |
| 61 |
Chapter 128.21 branch |
Special/deferred |
C024 |
S006 |
Full debt-amortization law |
| 62 |
Chapter 13 branch |
Special/deferred |
C024, C026 |
S006, S028 |
Bankruptcy law |
| 63 |
Tax debt branch |
Special/deferred |
C024, C026 |
S006, S028 |
Tax levy law |
| 64 |
Generic credit counseling |
No special status established |
C024 |
S006 |
Actual court order needed |
| 65 |
Federal aggregate cap |
Answered |
C029 |
S031 |
Priority facts |
| 66 |
Debtor answer at any time |
Answered |
C030 |
S008, S020 |
Pending period |
| 67 |
Amended answer |
Answered |
C030 |
S008 |
Changed circumstances |
| 68 |
Answer form defenses |
Answered as form content |
C030 |
S020 |
Merits require proof |
| 69 |
Garnishee forwards answer |
Answered |
C031 |
S008, S018 |
Receipt date |
| 70 |
Complete answer halts withholding/payment |
Answered procedurally |
C032 |
S018 |
Court can order otherwise |
| 71 |
Creditor objection |
Answered |
C033 |
S009, S021 |
Objection merits |
| 72 |
Five-business-day scheduling duty |
Answered |
C033 |
S009 |
Hearing may be later |
| 73 |
Court order resets 13-week date |
Answered |
C033 |
S009 |
Service of order |
| 74 |
Hardship petition |
Answered |
C034 |
S009, S024 |
Necessities/proof |
| 75 |
Automatic 150%-poverty hardship rule |
Not established |
C034 |
S023–S024 |
Additional authority required |
| 76 |
Bad-faith debtor claim |
Answered conditionally |
C035 |
S009, S019 |
Intent/proof |
| 77 |
Bad-faith creditor objection |
Answered conditionally |
C035 |
S009, S019 |
Intent/proof |
| 78 |
Creditor payment timing |
Answered |
C036 |
S010, S018 |
Actual payday/holiday |
| 79 |
Written debtor payment notice |
Answered |
C036 |
S010/S018 |
Actual notice |
| 80 |
Garnishee creditor liability |
Partial |
C037 |
S012 |
Full motion/service procedure |
| 81 |
Excess deduction debtor damages |
Partial |
C037 |
S012 |
Causation/limitations |
| 82 |
Garnishee bona fide error |
Answered boundary |
C037 |
S012 |
Actual procedures |
| 83 |
Wisconsin no-fee/adverse-action rule |
Answered with currentness hold |
C038 |
S014 |
Integrated body unread |
| 84 |
CBA exception |
Answered textually |
C038 |
S014 |
Actual CBA excluded |
| 85 |
Wisconsin private relief list |
Answered textually |
C038 |
S014 |
Limitations not researched |
| 86 |
Federal one-indebtedness protection |
Answered |
C039 |
S029, S032 |
More than one debt |
| 87 |
Federal willful penalty |
Answered |
C040 |
S029 |
Criminal enforcement only as read |
| 88 |
WHD enforcement |
Answered |
C040 |
S030, S032 |
No complaint made |
| 89 |
Stronger state-law preservation |
Answered |
C028, C040 |
S030 |
Exact state-currentness hold |
| 90 |
Federal private action under §1674 |
Unresolved/not established |
C040, C047 |
S029–S030 |
Separate remedies research |
| 91 |
Business-day definition |
Partial/official snippet |
C041 |
S016, S018 |
Full current §421.301 body |
| 92 |
Official forms as law |
Answered negatively |
C042 |
S015, S026 |
Statute controls |
| 93 |
All-county filing/service certification |
Unresolved |
C044 |
S025–S026 |
County-by-county work |
| 94 |
Non-earnings bank garnishment |
Excluded |
C045 |
S026 index |
Separate pass |
| 95 |
Federal administrative/student-loan garnishment |
Excluded |
C046 |
— |
Separate federal pass |
| 96 |
Article/calculator opportunity |
Answered as design boundary |
C048 |
Claims above |
No build/publication |
Core coverage rows: 96.
Territorial and special-category branches
| # |
Branch |
Status |
Claims |
Exact boundary |
| T1 |
Ordinary Wisconsin circuit-court judgment |
Principal scope |
C001–C044 |
Actual case excluded |
| T2 |
Wisconsin small claims judgment |
Covered by same earnings procedure, with official guide |
C001–C044 |
Local small-claims practice held |
| T3 |
Wisconsin public employee |
Special duration branch only |
C015 |
Full §812.42 process deferred |
| T4 |
Victim restitution |
Special duration identified only |
C015 |
Criminal restitution pass deferred |
| T5 |
Support order |
Narrow priority crossover only |
C023, C026 |
Full support collection deferred |
| T6 |
State/federal tax |
Classified as special only |
C024, C026 |
Tax levy law deferred |
| T7 |
Chapter 13 / chapter 128 |
Classified as special only |
C024, C026 |
Insolvency procedures deferred |
| T8 |
Federal administrative or student-loan withholding |
Excluded |
C046 |
Separate federal authority |
| T9 |
Tribal judgment or tribal employer |
Unexamined |
— |
Tribal enforcement and sovereign-immunity pass |
| T10 |
Foreign-state or foreign-country judgment |
Unexamined |
— |
Domestication and local wage law |
| T11 |
Federal judgment enforced in Wisconsin |
Unexamined beyond ordinary-form references |
— |
Federal Rule 69 and registration |
| T12 |
All 72 Wisconsin counties |
Not certified |
C044 |
Local rules, filing fees, and service practice |
Territorial/special rows: 12.
Deferred families
| # |
Deferred family |
Reason |
| D1 |
Non-earnings bank-account garnishment |
P08 D5 remains open in part |
| D2 |
Federal-benefit tracing after deposit |
Separate bank-funds analysis |
| D3 |
Execution against personal or real property |
P08 D6 remains open |
| D4 |
Homestead and property-exemption amounts |
P08 D7 remains open |
| D5 |
Sheriff levy, sale, redemption, and priority |
Separate execution procedure |
| D6 |
Judgment entry, renewal, interest, and satisfaction |
P08/P10 not rerun |
| D7 |
Validity, service, default, standing, and ownership of judgment |
Outside wage mechanics |
| D8 |
Support withholding and arrears calculations |
Only priority crossover addressed |
| D9 |
Tax levy |
Special statute |
| D10 |
Federal administrative and student-loan garnishment |
Separate federal regime |
| D11 |
Bankruptcy stay, discharge, and Chapter 13 deductions |
Separate insolvency regime |
| D12 |
Chapter 128.21 debt amortization |
Separate Wisconsin proceeding |
| D13 |
Criminal restitution |
Special branch |
| D14 |
Public-employee garnishment details |
Special duration only addressed |
| D15 |
ERISA and pension garnishment restrictions |
Earnings definition alone is insufficient |
| D16 |
Collector licensing and conduct |
P02 unreviewed |
| D17 |
Debt validation and documentation |
P03 unreviewed |
| D18 |
Medical financial assistance |
P07 unreviewed |
| D19 |
Credit reporting and identity theft |
P04-P06/P09 separate |
| D20 |
Provider fees, client funds, and settlement contracts |
P01 unreviewed |
| D21 |
Full remedies, limitations, class claims, and fee-shifting |
Only narrow express remedies addressed |
| D22 |
Local clerk filing fees and accepted service in every county |
County-specific operational work |
| D23 |
Actual employer payroll policy, collective-bargaining agreement, or pay stub |
Private facts excluded |
| D24 |
Tribal, foreign, and other-state law |
Separate territorial passes |
| D25 |
Publication, operational approval, Wisconsin parent, or A066 acceptance |
Expressly withheld |
Deferred rows: 25.
Workflow inventory
| Workflow |
Subject |
Main claims |
| 1 |
Weekly low wages |
C017–C022, C040 |
| 2 |
Weekly middle wages / federal floor |
C018–C019 |
| 3 |
Weekly higher wages / state 20% |
C017–C019 |
| 4 |
Biweekly poverty cap |
C019–C025 |
| 5 |
Monthly poverty cap |
C019, C022, C043 |
| 6 |
Support-priority calculation |
C023, C029 |
| 7 |
Need-based-public-assistance exemption |
C021, C030–C033 |
| 8 |
Simultaneous ordinary orders |
C013, C029 |
| 9 |
Debtor answer after withholding starts |
C030–C035 |
| 10 |
Service and 13-week calendar |
C010, C012, C041 |
| 11 |
Five-to-ten-business-day remittance |
C036, C041 |
| 12 |
Employer threatens discharge |
C038–C040 |
| 13 |
Deposited wages/bank account excluded |
C045 |
Workflow count: 13.
Final researcher self-check
Actual reading
Freshly read or inspected:
- the official Wisconsin chapter 812 search/index result and bounded failed body route;
- 2025 reproductions of §§812.30–812.35 and 812.37–812.44;
- official Wisconsin forms CV-421 through CV-427 and CV-478 to the extent identified in the source register;
- the official small-claims earnings-garnishment guide;
- 15 U.S.C. §§1672–1674, 1676, and 1677;
- current 29 C.F.R. part 870;
- current DOL wage-garnishment and minimum-wage guidance;
- the 2026 HHS poverty guideline; and
- the current 2026–27 Wisconsin poverty form.
PDF images actually inspected in this pass include CV-422 page 2, both CV-423 pages, CV-426, CV-427, SC-6070V page 2, and the GPO page containing §§1674, 1676, and 1677.
Currentness and access limits
- The official integrated chapter 812 body was not successfully rendered.
- Nonofficial statute reproductions remain labeled as read-aids.
- Official forms strongly corroborate the ordinary process but are not substitutes for the complete current statute.
- No commercial citator or exhaustive case-law search was performed.
- No county-specific local rule, filing-fee schedule, or service rule was certified.
- No conclusion is based on the absence of a source that could not be opened.
Arithmetic check
The calculations used:
- current federal minimum wage: $7.25;
- official federal floors: $217.50 weekly, $435 biweekly, $471.25 semimonthly, and $942.50 monthly;
- current Wisconsin poverty amounts effective July 1, 2026;
- no cent rounding beyond the displayed arithmetic;
- stipulated mandatory deductions; and
- no assumptions about an actual payroll.
The examples do not produce individualized withholding instructions or legal advice.
Calendar check
- November 2, 2026 was a Monday.
- November 9, 2026 was a Monday.
- Thirteen weeks after November 2, 2026 is February 1, 2027.
- August 7, 14, and 21, 2026 were Fridays.
The 13-week anniversary is not represented as an individualized final affected-pay-period determination. Business-day calculations assume no intervening legal holiday unless expressly stated.
Register reconciliation
| Register |
Visible rows |
| Source register |
34 |
| Atomic claims |
48 |
| Core granular coverage |
96 |
| Territorial/special branches |
12 |
| Deferred families |
25 |
| Fictional workflows |
13 |
| Old-to-new disposition rows |
5 |
Sources, claims, coverage, territorial rows, deferred rows, and examples are counted separately.
No actions performed
No named consumer, creditor, collector, employer, garnishee, attorney, court matter, judgment, county file, payroll record, pay stub, bank account, property, benefit record, license, or private document was searched. No form was completed or submitted. No filing, service, contact, complaint, record request, purchase, account action, API, browser control, new chat, subagent, local coordinator file, website change, or publication occurred.
This is the researcher’s self-check, not independent review, current all-source certification, an individualized wage calculation, operational approval, publication approval, or acceptance of Wisconsin PASS-11, A066, or the parent dossier.
END S_WI PASS-11.