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STATE OF MINNESOTA IN SUPREME COURT A09-1221

Certified Question U.S. District Court, District of Minnesota Mona Savig and Robert Savig, Plaintiffs, vs. First National Bank of Omaha and Messerli & Kramer, P.A., Defendants.

Anderson, G. Barry, J. Took no part, Magnuson, C.J.

Filed: April 22, 2010 Office of Appellate Courts

________________________ Nicholas P. Slade, Barry & Slade, LLC, Minneapolis, Minnesota; and Sam Glover, Samuel J. Glover & Associates, LLC, Minneapolis, Minnesota, for plaintiffs. David F. Herr, Haley N. Schaffer, Maslon Edelman Borman & Brand, LLP, Minneapolis, Minnesota; and Derrick N. Weber, Truman W. Schabilion, Messerli & Kramer, P.A., Plymouth, Minnesota, for defendants. Charles F. Webber, Aaron D. Van Oort, Nathaniel J. Zylstra, Faegre & Benson LLP, Minneapolis, Minnesota, for amici curiae National Association of Retail Collection Attorneys and Capitol One Bank (USA), N.A. Charles E. Lundberg, Michael A. Klutho, Bassford Remele, P.A., Minneapolis, Minnesota, for amicus curiae ACA International. Teresa E. Rice, Minnesota Bankers Association, Eden Prairie, Minnesota, for amicus curiae Minnesota Bankers Association. 1

Simone Suri, Minnesota Credit Union Network, St. Paul, Minnesota, for amicus curiae Minnesota Credit Union Network. Heidi L. Staloch, Michael Johnson, Bridget A. Sullivan, Gurstel, Staloch & Chargo, P.A., Golden Valley, Minnesota, for amicus curiae Gurstel, Staloch & Chargo, P.A. ________________________ SYLLABUS 1. A judgment creditor may serve a garnishment summons on a garnishee,

attaching funds in a joint account to satisfy the debt of an account holder, even though not all of the account holders are judgment debtors. 2. Account holders bear the burden of establishing net contributions to a joint

account during a garnishment proceeding. 3. A judgment debtor is initially, but rebuttably, presumed to own all of the

funds in a joint account, and if the presumption is not rebutted, all of the funds in a joint account are subject to garnishment. Certified questions answered. OPINION ANDERSON, G. Barry, Justice. This case requires us to answer certified questions of law concerning the interplay between Minnesotas garnishment statutes, Minn. Stat.

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