The Montgomery advertiser., 1907-01-13
By Katherine Loul.e smith. .

Ny Katherine Louise smun.
 5byright, 1so1, by Joseph B. Bowles, running business. This may be Keeping boarders, conductine store or some other form of earning her living Only too often she gets en- fansyled in debt or Is temporarily em- barnassed. and what might seem to a man slight business difhculty ap- pears to her appalling.
 PosAibly for the first time in her life she is brought into contact with such legal terms as garnishee, judg- mant. homestead claim, etc. It is probable she wfll have to consult lawyer to obtain advice, but she will be able to talk understandinSly and to protect herself against any unjust claims if she knows the meaning of these terms. For instance. Mrs. A. Is the main support of her family She may clerk in stores or keep boarders--aH any rate what she earnS goes to support herself and perhaps others. She falls behind and owes money, and her creditors sarnishee < her. If she Is an ignorant woman she fears the very term, and very just ly, for 1t is an unpleasant situation af the best, but she should know the meaning of the term garndshee and If her sseditors can take everything from her.
 
 tion fs an action where one can ob- fafn money that is due to her through third party or which is in the hands of a third person. Thus If q woman is clerking in a store and gets In debt her wages may be gar fsisheed. In other words. her em- pfoyers may be asked to give q cer- tain part of her wages to pay the debt But and here Is where the Sebtor's pfotection comes in, a wa.dan who is the inRin support of hef family and whose wages are garnIsheed has d right to, certain amount of her earnings. rwhich are exempt from all claims off CT editors. This amount is usually settled by the legislature of the different States, and the creditor can only hold. in his garnishee pro- aeedingEoto the amount of money which is due AiTn above the amount of such exemption.
 Sometimes a judgment is obtained against a woman who is in debt. A judgment is a decision given by a court between parties who do not agree. and when obtained Is a lien on the real estate of a debtor. At other times an execution is issued by .he court directing the sheriff or some other officer to collect a judgment out of tine property of the debtor. Fossil bly, an effort will be made 10 collect out of the household furniture. In this case, if a woman can prove she is usink. it in her liVfng, she is enti- tied to a certain amount of the furni- ture, which her creditors cannot take In some States the amount of furnl- ture is fixed at $500 worth. She also is entitled to certain articles which are exempt as the family Bible, family pictures, pew in church, burial lot, sewing machine, apparel to a fixed amount and typewriter. These vary in different States, but In general arti- cles needed for support or considered as family heirlooms are exempt.
 woman's homestead or the house and ground that she owns and lives fin is also exempt and cannot be taken from her by a creditor unless 1t goes for a mortgage. The homestead In some States is exempt up to certain value and in others the whole propet- fv can be saved. In still others the exemption extends to q certain amount of. ground. Usually where the homestead Is located in city. the ex- emption extends to ony city lot and house and improvements and where the homestead is in the country a certain number of acres with house and buildings are exempt. If a woman owns A farm the law usually exempts a certain amount of stock and ma chfuery necessary to cultivate the same These are facts regarding prop arty that every woman ought to In- derstand The reason for n exemp- fiou is plain. The law assumes that fo deprfye a person of the means to