Garnishment -- Wages -- Exemptions -- Head of family -- Plaintiff's affidavit was facially insufficient to defeat claim of exemption where affidavit was not based on personal knowledge and failed to factually refute defendant's sworn testimony that she is head…

Insurance -- Personal injury protection -- Affirmative defenses -- Accord and satisfaction -- Common law accord and satisfaction was not effectuated where insurer believed it was paying full amount of its obligation when it tendered checks, and there was no…