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Ers 4 Who should not use this packet 5 How to use this self help packet 6 Who these people are 7-8 Other options you may have 9 Other publications on debtor s rights 10 What these legal terms mean 11-12 Summary of the law in this area 13-14 A debtor s exemption rights 15-16 What can happen if you owe money to someone 17-20 What is a Citation To Discover Assets hearing? 21 How to stop exempt wages from being garnished 22 How to file a document in a court file 23 Myth.

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