Pearson, Richard J

Minnesota wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.

Minnesota spouses who filed joint returns can escape responsibility for tax debts caused by the other spouse — through innocent spouse, separation of liability, or equitable relief.

Minnesota consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.