You have garnished funds. You claim a state exemption. before they start collecting. You apply for chapter 7 bankruptcy within 90 days of them starting to garnish. You win a chapter 7 discharge. You claim a federal exemption for the garnished wages in bankruptcy. The trustee does not object. At the meeting of creditors, nobody objects to the claim of exemption for garnished funds. After the discharge order are those garnished funds to be returned to the debtor.
Can those funds be paid to one creditor without the debtor's permission.