Poob qab them nqi tsev lossis nqi fais fab, cua sov, thiab dej? Thov kev pab ntawm RentHelpMN.org (lus Askiv xwb)
Lug nug? hu 2-1-1 lossis ntaus koj tus zip code mus rau 898-211

Tuav Nyiaj Thiab Koj Cov Cai

Tus sau
Education for Justice
Saib lossis luam cov ntawv tawm
Because of COVID-19, the Minnesota Governor ruled that ​the pandemic Payments can't be taken by creditors. Also, creditors can’t start a new garnishment for a consumer debt for as long as the peacetime emergency is going on. This doesn’t apply to child support or spousal support. It applies to new debt garnishments on or after May 4, 2020. Contact your legal aid office or make a complaint to the Minnesota Attorney General’s Office if someone tries to start a new debt garnishment.

Garnishment yog kev ua raws li txoj cai uas muab koj cov nyiaj hauv tus askhauj hauv tsev ceev nyiaj lossis koj daim tshev nyiaj tuav kom muab tau qhov nyiaj tsev hais plaub hais tias koj tiv lawv. Lawv ua tsis tau qhov no yog tias tus kws txiav txim tsis tau txiav txim tias koj swb lossis lawv foob koj es koj tsis teb. Tej zaum koj yuav tsis tau lus ceeb toom ua ntej qhov tuav nyiaj tshwm sim.

Qee zaus koj cov nyiaj tiv thaiv tau - qhov no hu “exempt” zam rau lossis “exemption” kev zam rau. Daim ntawv tseeb no muaj feem pab qhia koj seb koj cov nyiaj lossis vajtse puas raug zam tau.

Muaj 2 txoj kev cia li zam rau.

  • Koj qhov chaw ua haujlwm tsis muaj feem muab nyiaj tuav ntawm koj daim tshev nyiaj yog koj tau tsawg tshaj $290 txhua lim tiam. Yog koj tau nyiaj ntau tshaj $290 txhua lim tiam, 75% ntawm koj cov nyiaj tau los tom qab rho se tawm yuav cia li raug zam.
  • Koj tus askhauj hauv tsev ceev nyiaj yuav tsis raug muab nyiaj tuav yog koj cov nyiaj tuaj ncaj qha rau hauv los ntawm Social Security (RSDI), SSI lossis lwm cov tsoomfwv kev pab nyiaj txiag zam rau thiab koj tus askhauj hauv tsev ceev nyiaj muaj tsawg tshaj 2 lub hlis nyiaj los ntawm social security.

Lwm cov kev zam nyob rau hauv daim ntawv qhia no yuav tsis cia li tau kev zam. Koj yuav tsum xa ib daim “Exemption Claim” mus tiv thaiv koj cov nyiaj. Daim ntawv txog qhov no xa tuaj rau koj. Tas li ntawv koj muaj feem mus muab tau ib daim hauv online.  Mus rau: www.mncourts.gov

  • Nias rau Get Forms nyob hauv qhov menu
  • Hauv daim ntawv nias rau Judgement Enforcement
  • Nias rau Exemption
  • Hauv daim ntawv Exemptions Forms nias rau Exemption Notice

Yog koj cov nyiaj tsis tau kev zam, sim nrog lub tuam txhab lossis tus neeg yeej rooj plaub foob koj tham seb puas muaj kev sib haum. Tej zaum lawv yuav pom zoo rau koj maj mam them rov qab, lossis them ib zaug tiv tsawg dua qhov koj tiv. Yog koj hais kom haum, muab sau tseg thiab ob tog kos npe. Khaws ib daim cia.

Ib lub koom haum pab neeg sab laj txog kev tiv nuj nqis muaj feem pab tau. Hu National Foundation for Credit Counseling (NFCC) ntawm 1(800) 388-2227 rau ib lub hoobkas hauv zos. Ceev Faj rau cov tuam txhab uas tsub nqi los “kho” koj kev tiv nqi lossis hais kom koj tsis txhob them. Ntau lub cov no dag ntxias xwb!