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Home/Attorneys/Spangler And de Stefano, PLLP
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- Attorneys in Saint Paul, | CGMIMM

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962 Saint Clair Avenue, Saint Paul, MN, 55105

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+1-651-776-2900
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962 Saint Clair Avenue
Saint Paul, MN 55105
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Past results do not guarantee future outcomes. Communications do not establish an attorney-client relationship.

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Wage Garnishment Defense in Minnesota
Minnesota wage garnishment is capped at federal limits (25% of disposable income or 30ร— minimum wage) โ€” and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Minnesota consumers facing debt-collection lawsuits have powerful defenses โ€” federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in Minnesota
Minnesota student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options โ€” IDR, PSLF, forgiveness โ€” also relevant.

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