What is this form for?

This form is an Exemption Notice that tells the debtor that a creditor is trying to take money from their wages. It explains the total amount owed and the rules about exemptions.

What must the debtor do if they think their wages are exempt?

If the debtor qualifies for a complete exemption or a limitation, they must give or mail a copy of the completed debtor's answer form to the garnishee/employer.

Does this form tell me how much money I can keep?

The form explains that by law, the debtor is entitled to an exemption of not less than 80% of their disposable earnings, and lists specific situations where earnings might be completely exempt.

CV-423

Earnings Garnishment - Exemption Notice

Wisconsin · Wisconsin Court System · Effective November 19, 2021

This form informs a person (the debtor) that a creditor has started a process to take money from their wages (earnings garnishment). It explains the total amount owed and details the rules about what portion of the wages might be exempt from being taken.

The court describes it as: To give info to debtor about amount of the creditor's claims, existence of exemptions, and notice about how to respond to creditor's claim by delivering or mailing a copy of an answer (Earnings Garnishment--Debtor's Answer, CV-424) to the garnishee.

Open the official PDFfrom Wisconsin Court System

Where this fits in a case

After judgment

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Stage: After judgment

This form is given to the debtor after a creditor has filed a garnishment proceeding against the debtor's wages. It tells the debtor about the debt and their rights regarding exemptions.

Prepared by the court or clerk.

Official instructions

How-to guides published by the court for this form.

Plain-language summary

Common questions

What is this form for?: This form is an Exemption Notice that tells the debtor that a creditor is trying to take money from their wages. It explains the total amount owed and the rules about exemptions.
What must the debtor do if they think their wages are exempt?: If the debtor qualifies for a complete exemption or a limitation, they must give or mail a copy of the completed debtor's answer form to the garnishee/employer.
Does this form tell me how much money I can keep?: The form explains that by law, the debtor is entitled to an exemption of not less than 80% of their disposable earnings, and lists specific situations where earnings might be completely exempt.

Revision history

No changes recorded since we started tracking this form on October 10, 2026. The current version took effect November 19, 2021.

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