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Michigan Form MC 49: Objections to Garnishment and Notice of Hearing
What this form does, who files it, what it costs, and how to avoid the errors that get Michigan filings rejected.
Reviewed and updated by the Clear Path document team. Informational only — not legal advice.
Quick Answer
What is Michigan form MC 49?
Form MC 49 is how you fight a garnishment of your wages or bank account. You state why the money should not be taken and the court sets a hearing.
Who files it
The judgment debtor whose money is being garnished, or the garnishee such as an employer or bank.
Where it goes
The same district or circuit court that issued the garnishment.
Filing fee
No separate filing fee — it is filed in the existing case.
What you need before you start
- The garnishment paperwork you were served with, including the case number
- Proof of any exempt income — Social Security, SSI, unemployment, veterans benefits, public assistance
- Bank statements or pay stubs showing where the money came from
How to complete and file form MC 49
- 1
Check the date you were served — the objection window is short.
- 2
Complete MC 49 and state the specific reason the garnishment is improper or the funds are exempt.
- 3
File it with the court that issued the garnishment.
- 4
Serve a copy on the creditor and the garnishee.
- 5
Attend the hearing with your proof.
Mistakes that get MC 49 rejected
- Missing the 14-day objection window under MCR 3.101
- Writing that the garnishment is unfair without naming a legal basis such as an exemption or a satisfied judgment
- Not serving the creditor and the garnishee, so the hearing gets adjourned