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The Michigan MC 49 form serves as a crucial tool for individuals who wish to contest a writ of garnishment. This form allows defendants—often referred to as judgment debtors—to formally object to the garnishment of their funds or property, providing a structured process to voice their concerns. Key elements of the MC 49 include the identification of the parties involved, such as the plaintiff, defendant, and garnishee, as well as the court details. It outlines specific grounds for objection, which may include claims that the funds are legally exempt from garnishment, ongoing bankruptcy proceedings, or that the judgment has already been satisfied. Additionally, the form sets forth the procedure for filing objections and the requirement for a hearing, ensuring that both the defendant and plaintiff are notified and can participate. The form emphasizes the importance of timely action, as objections must typically be filed within 14 days of service of the writ. Furthermore, it offers guidance on how to complete and submit the form, including the necessity of serving copies to all relevant parties. Understanding the MC 49 is essential for those navigating the complexities of garnishment and seeking to protect their rights.

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Original - Court

 

1st copy - Plaintiff

Approved, SCAO

2nd copy - Defendant

3rd copy - Garnishee

 

STATE OF MICHIGAN JUDICIAL DISTRICT JUDICIAL CIRCUIT

OBJECTIONS TO GARNISHMENT

AND NOTICE OF HEARING

CASE NO.

Court address

Court telephone no.

Plaintiff's name, address, and telephone no. (judgment creditor)

Defendant's name, address, and telephone no. (judgment debtor)

v

Plaintiff's attorney, bar no., address, and telephone no.

Garnishee's name and address

OBJECTIONS TO GARNISHMENT

I object to the writ of garnishment issued on

 

and request a hearing because

 

Date

a. the funds or property are exempt (protected) from garnishment by law.

b. of bankruptcy proceedings. Case No:

c. I have an installment payment order, issued on. Court:Case No:

d. the maximum amount permitted by law is already being withheld by another court order.

e. the judgment has been paid.

f. the writ was not properly issued or is otherwise invalid because

.

I was served with a copy of a writ of garnishment on

 

.

 

 

Date

 

 

 

 

 

Date

 

Signature of defendant

To be completed by the court.

1. A hearing will be held on

Date

NOTICE OF HEARING ON OBJECTIONS

atat

TimeLocation

before Hon.

 

.

 

2.

The defendant and plaintiff are required to appear.

3.

The garnishee

is

is not required to appear.

4. a. Objections were filed within 14 days of the defendant being served with the writ of garnishment. The garnishee shall continue to withhold funds but shall not release withheld funds until further order of the court.

b. Objections were filed 14 days or more after the defendant was served with the writ of garnishment. The garnishee shall continue to withhold and release funds unless otherwise ordered by the court.

Date

Deputy court clerk

If you require special accommodations to use the court because of a disability or if you require a foreign language interpreter to help you fully participate in court proceedings, please contact the court immediately to make arrangements.

CERTIFICATE OF MAILING

I certify that on this date I served a copy of this objection and notice on the parties or their attorneys by first-class mail addressed to their last-known addresses as defined in MCR 2.107(C)(3).

Date

Defendant's signature/District court clerk

MC 49 (8/12)

OBJECTIONS TO GARNISHMENT AND NOTICE OF HEARING

15 USC 1672, 15 USC 1673, MCR 3.101(K)(3)

Instructions for Filing and Serving an Objection to Garnishment (Form MC 49)

If you received a writ of garnishment (form MC 12, MC 13, or MC 52), you can object to that garnishment only if:

your money is exempt (protected) from garnishment by law (see the list of exempt funds on the back of your writ of garnishment form),

you filed for bankruptcy and those proceedings are pending or the debt has been discharged,

you have an installment payment order signed by a judge (form MC 15a),

the maximum amount of money that can be garnished by law is already being withheld by another court order,

you already paid the judgment in full,

the garnishment was not properly issued (for example, it was issued on false information) or the garnishment

is invalid (for example, the interest, costs, or judgment amount are inaccurate).

You cannot use this form to challenge the judgment or because you are unable to pay the judgment.

1.How do I file an Objection?

You file an objection by completing the form and filing it with the same court that signed the writ of garnishment. There is no cost.

2.Fill out the Objection form.

Write in the court number, case number, the court address and telephone number, and the names, addresses, and telephone numbers of the plaintiff and the defendant exactly as they are on the writ of garnishment.

Write in the date the garnishment was issued (see the lower left-hand corner of the writ of garnishment). Check the box that states the reason you are objecting to the garnishment. If there is more than one reason, check all that apply. Write in the date that you were served (the date you received) a copy of the writ garnishment.

Write in the date you complete the form and sign your name.

3.Make four copies of the completed objection form.

4.File the Objection with the court.

File all four copies of your objection with the court in person or by first-class mail. If you mail the objection, include a postage-paid and self-addressed envelope so that the court can return to you three copies with the Notice of Hearing completed.

5.Serve the Objection.

If your case is in the district court, the court will serve the objection and will return one copy to you.

If your case is in the circuit court, when you get the three remaining copies of the objection with the Notice of Hearing completed, serve a copy on the plaintiff and a copy on the garnishee by first-class mail. If the plaintiff has an attorney, serve the objection on the attorney instead of the plaintiff. Complete the Certificate of Mailing on the bottom of your copy of the form. Make a copy of this and file it with the court. You can do this either in person or by first-class mail. Keep your copy for yourself.

For information on preparing for a hearing generally, see the Michigan Court’s Self-Help Center at http://courts.michigan.gov/scao/selfhelp/general/hearings.htm. NOTE: You must bring all documents to the hearing to support the objections that you checked on the objection form.

Form Specifications

Fact Name Details
Purpose of Form The Michigan MC 49 form is used to file objections to a writ of garnishment and to notify the court of a hearing regarding those objections.
Governing Laws The form is governed by federal laws, including 15 USC 1672 and 15 USC 1673, as well as the Michigan Court Rules (MCR) 3.101(K)(3).
Filing Requirements To file an objection, complete the form and submit it to the court that issued the garnishment. There is no filing fee involved.
Objection Reasons Valid reasons for objection include exemptions from garnishment, pending bankruptcy, installment payment orders, and improper issuance of the garnishment.
Deadline for Filing Objections must be filed within 14 days of receiving the writ of garnishment to ensure the garnishee continues to withhold funds.
Hearing Notification A hearing will be scheduled, and both the defendant and plaintiff must appear. The garnishee may not be required to attend.
Certificate of Mailing The form includes a certificate of mailing, which must be completed to confirm that all parties received notice of the objection and hearing.
Exempt Funds Certain funds are protected from garnishment, such as social security benefits and unemployment compensation. Refer to the back of the writ for a complete list.
Required Copies When filing, make four copies of the completed objection form. The court will return three copies with the notice of hearing completed.
Document Preparation Bring all supporting documents to the hearing that correspond to the objections checked on the form. This is crucial for a successful hearing.

Michigan Mc 49: Usage Guidelines

After completing the Michigan MC 49 form, it is essential to file it with the court that issued the garnishment. This process ensures that your objections are officially recorded, and a hearing can be scheduled to address your concerns. Follow the steps below to accurately fill out and submit the form.

  1. Gather necessary information, including court number, case number, court address, and telephone number.
  2. Fill in the names, addresses, and telephone numbers of the plaintiff and defendant exactly as they appear on the writ of garnishment.
  3. Write the date the garnishment was issued, found in the lower left-hand corner of the writ.
  4. Check the appropriate box or boxes to indicate your reasons for objecting to the garnishment.
  5. Enter the date you received the writ of garnishment.
  6. Complete the form by writing the date you filled it out and signing your name.
  7. Make four copies of the completed objection form.
  8. File the original objection and all four copies with the court, either in person or by first-class mail.
  9. If mailing, include a postage-paid and self-addressed envelope for the court to return three copies to you with the Notice of Hearing.
  10. Once you receive the three copies back from the court, serve a copy of the objection on the plaintiff and the garnishee by first-class mail.
  11. If the plaintiff has an attorney, serve the objection to the attorney instead of the plaintiff.
  12. Complete the Certificate of Mailing on your copy of the form and file it with the court, keeping a copy for your records.

Your Questions, Answered

1. What is the Michigan MC 49 form?

The Michigan MC 49 form is a legal document used to file objections to a writ of garnishment. It allows individuals to contest the garnishment of their funds or property by providing reasons for the objection and requesting a hearing. This form is essential for defendants who believe that their funds are exempt or that the garnishment is invalid.

2. Who can file an objection using the MC 49 form?

Any defendant who has received a writ of garnishment can file an objection using the MC 49 form. This includes individuals whose funds are exempt from garnishment, those undergoing bankruptcy proceedings, or those who have already paid the judgment in full.

3. How do I complete the MC 49 form?

To complete the MC 49 form, fill in the required details, including court information, case number, and the names and addresses of the plaintiff and defendant. Indicate the reason for your objection by checking the appropriate box. Ensure you provide the date you were served with the writ and your signature at the end of the form.

4. What are the reasons I can object to garnishment?

You can object to garnishment for several reasons, including: the funds are exempt from garnishment by law, you are involved in bankruptcy proceedings, you have an installment payment order, the maximum amount allowed is already being withheld, the judgment has been paid, or the writ was improperly issued.

5. Is there a fee to file the MC 49 form?

No, there is no fee to file the MC 49 form. It can be submitted to the court without any associated costs, making it accessible for individuals seeking to contest a garnishment.

6. How do I file the MC 49 form?

To file the MC 49 form, complete it and submit it to the same court that issued the writ of garnishment. You must provide four copies of the completed form. If filing by mail, include a self-addressed, postage-paid envelope for the court to return the copies to you.

7. What happens after I file the MC 49 form?

After filing the MC 49 form, a hearing will be scheduled. You will receive a Notice of Hearing, which will indicate the date and time of the hearing. Both the defendant and plaintiff are required to attend, while the garnishee may not need to appear.

8. What should I bring to the hearing?

It is important to bring all relevant documents to support your objections at the hearing. This includes any evidence that substantiates your claims regarding the exemption of funds, bankruptcy status, or any other reason for your objection.

9. Can I challenge the underlying judgment with the MC 49 form?

No, the MC 49 form cannot be used to challenge the underlying judgment itself. It is specifically designed to address issues related to the garnishment process and the validity of the writ issued against you.

10. Where can I find more information about the garnishment process?

For additional information about the garnishment process and preparing for a hearing, individuals can visit the Michigan Court’s Self-Help Center online. This resource provides guidance and information on various legal procedures, including garnishments.

Common mistakes

  1. Incorrectly Filling Out Personal Information: People often forget to accurately enter their names, addresses, and telephone numbers. This information must match what is on the writ of garnishment.

  2. Missing Dates: Failing to include the date the garnishment was issued or the date the defendant was served can lead to delays or rejection of the objection.

  3. Not Checking All Applicable Reasons: Individuals sometimes check only one reason for their objection instead of all that apply. It is crucial to fully explain all grounds for the objection.

  4. Insufficient Copies: People may forget to make the required four copies of the completed objection form. This can prevent the court from processing the objection properly.

  5. Improper Filing: Filing the objection with the wrong court can result in dismissal. It must be submitted to the same court that issued the writ of garnishment.

  6. Neglecting to Serve All Parties: Failing to serve a copy of the objection to the plaintiff and the garnishee can lead to complications. It is essential to follow proper service procedures.

  7. Not Bringing Supporting Documents: Some individuals arrive at the hearing without necessary documents. It is important to bring all relevant paperwork to support the objections listed.

Documents used along the form

When dealing with garnishment issues in Michigan, several forms and documents may accompany the Michigan MC 49 form. Understanding these documents can help you navigate the process more effectively.

  • MC 12 - Writ of Garnishment: This form initiates the garnishment process. It informs the garnishee (the entity holding the debtor's funds) of the court's order to withhold funds from the debtor's account or wages.
  • MC 13 - Writ of Garnishment for Income: Specifically used for garnishing wages, this form directs an employer to withhold a portion of an employee's wages to satisfy a judgment against the employee.
  • MC 52 - Writ of Garnishment for Support: This document is utilized in cases involving child support or spousal support. It instructs the garnishee to withhold funds to fulfill support obligations.
  • MC 15a - Installment Payment Order: This form allows a debtor to make payments over time rather than in a lump sum. It can be a reason for objection if an installment order is already in place.
  • MC 15 - Request for Hearing: If you wish to contest a judgment or garnishment, this form can be filed to request a court hearing to discuss your objections.
  • MC 107 - Certificate of Service: This document certifies that copies of filed documents have been served to all parties involved in the case, ensuring proper notice has been given.
  • MC 400 - Motion to Set Aside Judgment: If you believe there are valid reasons to challenge the underlying judgment that led to garnishment, this form can be used to request the court to reconsider the judgment.

Familiarizing yourself with these forms can empower you during the garnishment process. Each document serves a unique purpose and can significantly impact your case. Always ensure that you have the necessary paperwork ready and seek assistance if needed.

Similar forms

The Michigan MC 49 form is an important document related to objections to garnishment. It shares similarities with several other legal documents that serve various purposes in the judicial process. Below are seven documents that are comparable to the MC 49 form, along with explanations of their similarities:

  • MC 12 - Writ of Garnishment: This document initiates the garnishment process by instructing a third party to withhold funds. Like the MC 49, it requires specific information about the parties involved and the case number.
  • MC 13 - Writ of Garnishment (Non-Periodic Payments): Similar to the MC 12, this form is used for garnishing non-periodic payments. Both documents outline the rights of the judgment creditor and debtor, and both require a court's involvement.
  • MC 15a - Installment Payment Order: This form allows a debtor to pay a judgment in installments. The MC 49 references this form as a valid reason for objecting to garnishment, emphasizing the connection between the two documents.
  • MC 52 - Writ of Garnishment (Financial Institution): This document is specific to garnishments involving banks or financial institutions. Like the MC 49, it contains similar procedural requirements and serves to protect the rights of the debtor.
  • MC 100 - Notice of Hearing: This form is used to inform parties about a scheduled court hearing. The MC 49 includes a notice of hearing section, highlighting the importance of communication in the legal process.
  • MC 107 - Certificate of Mailing: This document certifies that legal notices were sent to the involved parties. The MC 49 also requires a certificate of mailing, ensuring that all parties are informed of the proceedings.
  • MC 200 - Objection to Judgment: This form allows a party to formally contest a judgment. While the MC 49 focuses on garnishment objections, both documents share the common purpose of protecting the rights of the parties involved in legal proceedings.

Understanding the similarities between these documents is crucial for navigating the legal landscape effectively. Each serves a specific function, yet they all contribute to the broader framework of judicial processes in Michigan.

Dos and Don'ts

When filling out the Michigan MC 49 form, there are important guidelines to follow. Here’s a list of things you should and shouldn’t do to ensure your objection to garnishment is processed correctly.

  • Do: Complete the form accurately with all required information, including court number, case number, and names of all parties involved.
  • Do: Specify the reasons for your objection clearly by checking all applicable boxes.
  • Do: File the objection with the same court that issued the writ of garnishment. This can be done in person or by mail.
  • Do: Make sure to keep a copy of the filed objection for your records.
  • Do: Serve the objection to all relevant parties, including the plaintiff and the garnishee, as required.
  • Don’t: Leave any sections of the form blank. Missing information can delay your objection.
  • Don’t: Attempt to challenge the original judgment with this form. The MC 49 is strictly for objections to garnishment.
  • Don’t: Forget to sign and date the form before filing it. An unsigned form may not be accepted.
  • Don’t: Wait too long to file your objection. It must be submitted within the specified time frame after receiving the writ of garnishment.
  • Don’t: Use incorrect addresses for the parties involved. Ensure all contact information is up-to-date and accurate.

By adhering to these guidelines, you can help ensure that your objection is processed smoothly and efficiently. Always double-check your form before submission to avoid any potential issues.

Misconceptions

Understanding the Michigan MC 49 form can be tricky, and there are several misconceptions that people often have. Here are four common misunderstandings:

  • Objections can be filed for any reason. Many believe that they can object to garnishment simply because they don't want to pay. However, objections can only be made for specific legal reasons, such as if the funds are exempt or if the judgment has already been paid.
  • The garnishee must always appear at the hearing. It's a common belief that the garnishee must attend the hearing. In reality, the garnishee is not required to appear unless specifically ordered by the court.
  • There is a fee to file an objection. Some people think that filing an objection to garnishment incurs a cost. This is not true; filing the MC 49 form is free of charge.
  • Filing an objection will immediately stop the garnishment. Many assume that submitting an objection halts the garnishment process right away. While the objection is pending, the garnishee may still withhold funds until the court makes a decision.

By clearing up these misconceptions, individuals can better navigate the garnishment process and protect their rights.

Key takeaways

Understanding the Michigan MC 49 form is essential for anyone facing garnishment. Here are key takeaways to help navigate this process:

  • Purpose of the Form: The MC 49 form is used to file objections to a writ of garnishment and request a hearing.
  • Eligibility to Object: You can only object if your funds are exempt, you filed for bankruptcy, or if the judgment has been paid.
  • Filing Process: Complete the form and file it with the same court that issued the writ of garnishment. There is no filing fee.
  • Information Required: Fill in the court number, case number, and contact information for all parties involved accurately.
  • Multiple Reasons: If you have more than one reason for your objection, check all applicable boxes on the form.
  • Deadline for Filing: Objections must be filed within 14 days of receiving the writ of garnishment.
  • Copies Needed: Make four copies of the completed form before filing it with the court.
  • Serving the Objection: If in circuit court, serve copies to the plaintiff and garnishee by mail after receiving the Notice of Hearing.
  • Hearing Attendance: Both the defendant and plaintiff must appear at the hearing, while the garnishee may not be required to attend.
  • Documentation: Bring all supporting documents to the hearing to validate your objections.

By following these steps, you can effectively manage your objections to garnishment and protect your rights.