Yes, if they get a judgment, and they know where you work, they can garnish in MN. Otherwise, you are judgment proof. The thing is, they have to pay to file papers to garnish, and IF YOU LEAVE THAT JOB FOR ANY REASON, it is up to them to locate your new employment and refile everything again. So, I don't know that garnishment is really an effective means of collecting on a judgment, unless you are in a high paying job, that you absolutely do not want to leave, then I guess garnishment is a means of collecting on a judgment. Otherwise...........

IF they get a judgment against you, they can seize your checking account. They don't care if they take the money out of your account, leaving your checks to bounce. The reason we talk so much about protecting banking info is that it's a real mess and expensive to clean it up if they seize a checking account. You can have overdraft fees and then the bank adds its own charges. I just think it is better to be safe than sorry, but that's just me.

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