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Collecting Your Judgment in Clearwater County

You won in Minnesota — now let's get you paid. Here's how judgment collection works in Clearwater County, and where to file locally.

10 years (renewable)
Judgment good for
For judgments/awards of $50,000 or less: a variable rate tied to the 1-year U.S. Treasury secondary-market yield (rounded to nearest 1%), with a 4% floor — set at 4% for 2026. For judgments over $50,000: 10% per year until paid.
Interest
Available
Wage garnishment
Clearwater
County

Where to file in Clearwater County

Local court

Clearwater County Courthouse

213 N. Main St., Suite 302, Bagley, MN 56621

(218) 694-6177

Who enforces the order

The Clearwater County sheriff/marshal carries out levies and wage withholding once the court issues your order. Real-estate liens are recorded with the county recorder where the property sits.

Your collection options

These follow Minnesota law. See the full Minnesota guide for forms, fees, and deadlines.

Debtor's asset exam

Form JGM301 (Financial Disclosure form); creditor may seek an Order for Disclosure to compel debtor's employer/asset information

Order for Disclosure / Financial Disclosure (post-judgment debtor disclosure)

Wage garnishment

Form JGM801 (Garnishment Summons and Notice to Debtor); JGM800 (Garnishment Exemption Notice)

Up to Lesser of 25% of disposable earnings OR the amount by which disposable earnings exceed 40x the greater of the federal or Minnesota minimum hourly wage

Bank levy

Form JGM801 (Garnishment Summons and Notice to Debtor); JGM800 (Garnishment Exemption Notice)

Garnishment of bank account (Garnishment Summons served on the bank)

Property lien

Docket the judgment with the court administrator in the county. For abstract (non-Torrens) real property, docketing automatically creates the lien on all real property the debtor owns (or later acquires) in that county. For Torrens property, file a certified copy with the County Recorder / Registrar of Titles (fees apply). (Minn. Stat. § 548.09.)

Doing it yourself in Clearwater County

Minnesota's enforcement forms are built for self-represented creditors, and the court and sheriff fees are modest and usually recoverable from the debtor. If you'd rather hand it off entirely, judgment-recovery firms and collections attorneys typically charge 33–50% of what they recover.

Clearwater County Judgment Collection FAQ

Most enforcement paperwork is filed with the court that entered your judgment. In Clearwater County, that is typically Clearwater County Courthouse, 213 N. Main St., Suite 302, Bagley, MN 56621 ((218) 694-6177). A lien on real estate is recorded with the county recorder/clerk where the property sits.

The Clearwater County sheriff (or marshal/constable, depending on the county) carries out levies and wage withholding once the court issues the order. Contact their civil division for the current levy fee — it's a modest, recoverable cost, and the steps below cover when to pay it.

No — judgment collection isn't a service we offer. This guide covers the do-it-yourself path for Clearwater County step by step. If you'd rather hand it off, judgment-recovery firms and collections attorneys typically charge 33–50% of what they recover.

General information about collecting a money judgment in Clearwater County, Minnesota — not legal advice. Court locations, fees, and procedures change; confirm current requirements with the local court before filing.

Have a different dispute that needs filing?

Collection isn't a service we offer — but if someone else owes you money, we prepare and file small claims cases for a flat $299 and draft demand letters for $149. Tell us what happened.

100% refund if we don't file your case

Prefer to talk it through? Call or text (424) 358-4927.

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