forsterboughman.com
First seen Apr 25, 2026
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Judgment enforcement and bank levies Location: Minnesota. Judgment credit or and debtor both reside in MN. Judgement has been entered and docketed. So far we've been unsuccessful in collecting. The debtor's wages are already garnished to the max for child support and that's unlikely to change anytime soon, so wage garnishment is out. He also doesn't have any non-exempt property (rents an apt, drives an older vehicle, etc). The only low-hanging fruit left would be to levy a bank account. This debtor has/had an account at a national chain bank that we located but it was already overdrawn, so that was a dead end. We discovered that he has a bank account in Delaware - specifically in a DE state-chartered bank that only has physical locations in DE and even advertises the benefits of DE's state law prohibiting bank account levies for consumer debts. Has anyone had a similar situation dealing with a debtor who banks in a debtor-friendly jurisdiction? Is it possible to have a judge order them to turn over funds in the account or to bring those funds back to a bank with a presence in MN? I have a feeling that this judgment just might be one of the many non-collectable judgments out there. I did read a legal blog about a federal court being able to effectively nullify the DE exemption, but it was under a very specific set of circumstances that don't exist in this case: [https://www.forsterboughman.com/index.php/practice-areas/international-law/item/24-delaware-bank-accounts-for-asset-protection-not-a-silver-bullet](https://www.forsterboughman.com/index.php/practice-areas/international-law/item/24-delaware-bank-accounts-for-asset-protection-not-a-silver-bullet)
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