How to declare exemptions PRIOR to any levy

[Catalina_]

What is the name of your state (only U.S. law)? Calif.

Isn't there a way to declare exemptions before a levy occurs? I found other states that offer this option, but nothing in CA. Everything is based on AFTER a levy or garnishment, which is ridiculous because after a bank account is levied, even if it is exempt, it is rendered locked and causes a huge amount of stress, anxiety, not to mention possible financial disaster if someone's rent, etc. can't be paid.

Does anyone know how I can preemptively declare exemption? Can I use the declaration form MC-030, or can that only be used in conjunction with other forms?

Thank you

 

[adjusterjack]

Isn't there a way to declare exemptions before a levy occurs?

Homestead is the only one I can think of. Personal property and money - No.

I found other states that offer this option, but nothing in CA. Everything is based on AFTER a levy or garnishment, which is ridiculous because after a bank account is levied, even if it is exempt, it is rendered locked and causes a huge amount of stress, anxiety, not to mention possible financial disaster if someone's rent, etc. can't be paid.

Get your money out of banks as soon as you get served the lawsuit. If you didn't do that I don't know what to tell you.

I wonder how much stress and anxiety the creditor had when he didn't get paid and had to go through all the trouble and expense of suing and getting a judgment.

Does anyone know how I can preemptively declare exemption?

Sure. File bankruptcy.

Can I use the declaration form MC-030.

No.

 

[Catalina_]

Thanks for the response.

The creditor is a debt buyer with literally thousands of cases. His attorney makes it a point to put people through pain and stress.

 

[adjusterjack]

And I made it a point to put my tenants through pain and stress when they stiffed me out of money.

Doesn't matter who is coming after you. If you owe it, you owe it, and your options are limited.