<div dir="auto"><div>Never had a problem exempting the funds in full when they hit the account. $10k is good.</div><div><br></div><div data-smartmail="gmail_signature"><div dir="ltr"><div><div style="font-family:Helvetica,Arial,sans-serif;font-size:16px"><p style="margin-bottom:0.0001pt"><span style="color:rgb(76,118,162);font-size:x-large;font-weight:bold">Mark C. McClure<br clear="none"></span><font color="#4c76a2" size="3"><i>Managing Attorney <br clear="none"></i></font><span style="color:navy;font-size:13.5pt">Law Office of Mark McClure, PS</span><span style="color:navy"><span style="font-size:13.5pt"><b> </b></span><span style="font-size:18px"><b><br clear="none"></b></span></span><i><span style="color:navy"><font size="2" style="background-color:inherit">"Why Retire With Debt?"<br clear="none"></font></span></i><span style="color:navy;font-size:13.5pt">1103 West Meeker Street, #101<br clear="none"></span><span style="font-size:13.5pt;color:navy">Kent</span><span style="font-size:13.5pt;color:navy">, WA 98032</span></p><div style="margin-bottom:0.0001pt"><span style="color:navy">Office: 253.631.6484 <br clear="none"></span><span style="font-size:12pt;font-family:Arial,sans-serif"><span style="font-size:11pt;color:rgb(0,51,153)">Email: <a href="mailto:Mark@McClureLawGroup.com" target="_blank" rel="noreferrer">Mark@McClureLawGroup.com</a></span></span></div><div style="margin-bottom:0.0001pt"><b style="font-size:13px">Notice of Unavailability:</b><span style="font-size:13px"> </span><b style="font-size:13px"><font color="#ff0000"> </font></b></div><div style="margin-bottom:0.0001pt"><p class="MsoNormal" style="background-image:initial;background-position:initial;background-repeat:initial"><b><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:red">December 22, 2025 – December 26,
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2025</span></b></p></div><div style="margin-bottom:0.0001pt"><b><span style="color:navy">CONFIDENTIALITY NOTICE:</span></b><span style="color:navy"> <span style="color:rgb(28,30,33);background-color:rgb(242,243,245)">This email contains legal stuff. If you are not the intended recipient you could get into a lot of trouble if you read it, and even more trouble if you tell someone else about it. So, the best thing to do is ignore it and forget you ever saw it. Thank you.</span> <br><br clear="none"></span></div></div></div><div><br clear="none" style="color:rgb(29,34,40);font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:16px"></div></div></div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Mon, Dec 29, 2025, 5:53 PM Dave Culbertson <<a href="mailto:dculbertson@culbertsonlawoffice.com" target="_blank" rel="noreferrer">dculbertson@culbertsonlawoffice.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
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<p class="MsoNormal">Hi, Listmates.<u></u><u></u></p>
<p class="MsoNormal">I’m a little behind the times on this question. When they were making changes to the WA exemptions around 2020, I was away from the law and wasn’t paying much attention. This was probably discussed and commented on at the time, but it was
off my radar.<u></u><u></u></p>
<p class="MsoNormal">I’m prepping a BK petition for a client, he has about 3,000 in the bank account. I’d like to apply the WA wild-card exemption in
<a href="https://app.leg.wa.gov/RCW/default.aspx?cite=6.15.010" rel="noreferrer noreferrer" target="_blank"><span style="border:none">6.15.010(d)(ii)</span></a> to it, which is now up to 10,000 for “any personal property”. <u></u><u></u></p>
<p class="MsoNormal">BUT—the statute makes an exception for “except personal earnings as provided under RCW <a href="http://app.leg.wa.gov/RCW/default.aspx?cite=6.15.050" rel="noreferrer noreferrer" target="_blank">6.15.050</a>(1)”, which in turn says “Wages, salary, compensation can only be exempted
in BK to the same extent as under the garnishment statutes”. The garnishment statute allows a debtor to exempt 50/75/80% of their earnings per week, depending on the category of debt.<u></u><u></u></p>
<p class="MsoNormal">So—does this mean my client similarly can only exempt 50/75/80% of the money in his bank account in the BK, given that it all comes from wages originally? That seems incongruous with the overall structure of BK and garnishment—it doesn’t
seem like they should intersect in this way. Since the BK is eliminating the debt, it would also eliminate the right to garnish, so why create this connection and limitation? But the language is there, and the meaning is unclear to me.
<u></u><u></u></p>
<p class="MsoNormal">Just wanting to make sure I don’t hear a bear trap snap shut on my clients’ ankle...<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal" style="margin-bottom:0in"><u></u> <u></u></p>
<p class="MsoNormal" style="margin-bottom:0in"><a name="m_6213213054707028790_m_-3216624416816088717__Hlk52442782" rel="noreferrer noreferrer">Best Regards,<u></u><u></u></a></p>
<p class="MsoNormal" style="margin-bottom:0in"><span><u></u> <u></u></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span>Dave Culbertson<u></u><u></u></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span><u></u> <u></u></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span><b>The Law Office of Davisson Culbertson</b></span><span><u></u><u></u></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span>PO 20403<u></u><u></u></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span>Seattle, WA 98102<u></u><u></u></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span><i><u></u> <u></u></i></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span><i>Phone:
</i></span><span>(206) 478-8134<i><u></u><u></u></i></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span><i>FAX:
</i></span><span>(866) 867-7796<i><u></u><u></u></i></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span></span><a href="mailto:dculbertson@culbertsonlawoffice.com" rel="noreferrer noreferrer" target="_blank"><span><i>dculbertson@culbertsonlawoffice.com</i></span><span></span></a><span><u></u><u></u></span></p>
<span></span>
<p class="MsoNormal" style="margin-bottom:0in"><u></u> <u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
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