O.C.G.A.

O.C.G.A. § 18-4-82 (2019)

Notice to defendant of right against garnishment of money, including wages, and other property

✓ O.C.G.A. — 2019 edition (Public.Resource.Org Release 73)
Code text and O.C.G.A. statutory annotations on this page reflect the 2019 Official Code of Georgia Annotated (Public.Resource.Org Release 73, 2019-08-21; public domain per Georgia v. Public.Resource.Org, 2020). The Syfert case-law annotations in Notes of Decisions, below, are current.
Find cases: SyfertCases citing this section GA-LEGlegis.ga.gov (official) JustiaJustia CornellLII Search CasesGoogle Scholar

“IN THE

STATE OF GEORGIA ) ) Plaintiff: ) ) Name ) ) Plaintiff’s contact information: ) ) ) Name )

Street Address City

State

ZIP Code

Email Address Phone Number Bar Number v. Defendant: Name Street Address City

State

ZIP Code

Garnishee: Name Street Address City

State

ZIP Code

) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) )

Civil Action File No.

NOTICE TO DEFENDANT OF RIGHT AGAINST GARNISHMENT OF MONEY, INCLUDING WAGES, AND OTHER PROPERTY You received this notice because money, including wages, and other property belonging to you have been garnished to pay a court judgment against you. HOWEVER, YOU MAY BE ABLE TO KEEP YOUR MONEY, INCLUDING WAGES, OR OTHER PROPERTY. READ THIS NOTICE CAREFULLY. State and federal law protects some money, including wages, from garnishment even if it is in a bank. Some common exemptions are benefits from social security, supplemental security income, unemploy252

ment, workers’ compensation, the Veterans’ Administration, state pension, retirement funds, and disability income. This list of exemptions does not include all possible exemptions. A more detailed list of exemptions is available at the Clerk of Court’s office located at (Name of Court), (Address), (City), Georgia (ZIP Code), and on the website for the Attorney General (www.law.ga.gov). Garnishment of your earnings from your employment is limited to the lesser of 25 percent of your disposable earnings for a week or the amount by which your disposable earnings for a week exceed $217.50. More than 25 percent of your disposable earnings may be taken from your earnings for the payment of child support or alimony or if a Chapter 13 bankruptcy allows a higher amount. TO PROTECT YOUR MONEY, INCLUDING WAGES, AND OTHER PROPERTY FROM BEING GARNISHED, YOU MUST: 1. Complete the Defendant’s Claim Form as set forth below; and 2. File this completed claim form with the Clerk of Court’s office located at (Name of Court), (Address), (City), Georgia (ZIP Code). FILE YOUR COMPLETED CLAIM FORM AS SOON AS POSSIBLE. You may lose your right to claim an exemption if you do not file your claim form within 20 days after the Garnishee’s Answer is filed or if you do not mail or deliver a copy of your completed claim form to the Plaintiff and the Garnishee at the addresses listed on this notice. The Court will schedule a hearing within ten days from when it receives your claim form. The Court will mail you the time and date of the hearing at the address that you provide on your claim form. You may go to the hearing with or without an attorney. You will need to give the Court documents or other proof that your money is exempt. The Clerk of Court cannot give you legal advice. IF YOU NEED LEGAL ASSISTANCE, YOU SHOULD SEE AN ATTORNEY. If you cannot afford a private attorney, legal services may be available. DEFENDANT’S CLAIM FORM I CLAIM EXEMPTION from garnishment. Some of my money or property held by the garnishee is exempt because it is: (check all that apply) □ 1. Social security benefits. □ 2. Supplemental security income benefits. □ 3. Unemployment benefits. □ 4. Workers’ compensation.

□ 5. Veterans’ benefits. □ 6. State pension benefits. □ 7. Disability income benefits. □ 8. Money that belongs to a joint account holder. □ 9. Child support or alimony. □ 10. Exempt wages, retirement, or pension benefits. □ 11. Exemptions for taxes due on income or earnings not subject to employer withholding. □ 12. Other exemptions as provided by law. Explain:

I further state: (check all that apply) □ 1. The Plaintiff does not have a judgment against me. □ 2. The amount shown due on the Plaintiff’s Affidavit of Garnishment is incorrect. □ 3. The Plaintiff’s Affidavit of Garnishment is untrue or legally insufficient. Send the notice of the hearing on my claim to me at: Address: Phone Number: Email Address: The statements made in this claim form are true to the best of my knowledge and belief. , 20 Defendant’s signature

Date

Print name of Defendant CERTIFICATE OF SERVICE This is to certify that I have this day served the Plaintiff or Plaintiff’s Attorney and the Garnishee in the foregoing matter with a copy of this pleading by depositing it in the United States mail in a properly addressed envelope with adequate postage thereon.

This

day of

, 20

.

Defendant or Defendant’s Attorney”

History

Code 1981, § 18-4-82, enacted by Ga. L. 2016, p. 8, § 1/SB 255; Ga. L. 2018, p. 820, § 7/SB 194; Ga. L. 2020, p. 691, § 30A/SB 443; Ga. L. 2021, p. 922, § 18/HB 497. The 2020 amendment, effective January 1, 2021, substituted “Email” for “Email” twice, and, under the heading “Defendant’s Claim Form”, added paragraph

11 and redesignated former paragraph 11 as present paragraph 12. The 2021 amendment, effective May 10, 2021, part of an Act to revise, modernize, and correct the Code, substituted “United States mail” for “United States Mail” in the form under “CERTIFICATE OF SERVICE”.

Notes of Decisions
Cited in 6 cases, 1983–2015 · leading case: Wachovia Bank of Georgia, N.A. v. Unisys Fin. Corp., 471 S.E.2d 554 (Ga. Ct. App. 1996).
Wachovia Bank of Georgia, N.A. v. Unisys Fin. Corp., 471 S.E.2d 554 (Ga. Ct. App. 1996). · cites it 12× “Was Wachovia's reliance on the signature cards and Hanover's statement regarding the accounts sufficient to relieve Wachovia of liability in answering the garnishment? OCGA § 18-4-82 prescribes the requirements for answering a garnishment.”
Bank of Am., N.A. v. Johnson (In re Johnson), 479 B.R. 159 (Bankr. N.D. Ga. 2012). · cites it 2× “See also O.C.G.A. §§ 18-4-82, 18-4-84. The garnishee must serve its answer on the creditor.”
Strickland v. Alexander, 153 F. Supp. 3d 1397 (N.D. Ga. 2015). · cites it 2× “The garnishee must serve a copy -of the answer on the judgment creditor; however, there is no requirement that a copy of the answer be served on the judgment debtor.”
Parham v. Lanier Collection Agency & Serv., Inc., 341 S.E.2d 889 (Ga. Ct. App. 1986). · cites it 2× “) OCGA § 18-4-20 (c) states that “ [a)ll property, money or effects of the defendant in the possession or control of the garnishee at the time of the service of the summons of garnishment upon the garnishee or coming into the possession or control of the garnishee .”
Se. Grading, Inc. v. Grissom-Harrison Corp., 319 S.E.2d 121 (Ga. Ct. App. 1984). · cites it 2× “Pursuant to OCGA § 18-4-82, appellant filed an answer in which it stated that while it owed Reeves Drilling $27,729.”
City of Atlanta v. Gilmere, 310 S.E.2d 736 (Ga. Ct. App. 1983). · cites it 2× “However, the garnishee by brief states that the parties so stipulated, and we proceed to consideration of the *774 case by applying OCGA § 18-4-82 (formerly Code Ann. § 46-501 (Ga.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.