How to Stop a Garnishment in Colorado

Title: How to Stop a Garnishment in Colorado: A Comprehensive Guide


Garnishment is a legal process by which a creditor can collect a debt by obtaining a court order to seize a portion of your wages or bank accounts. In Colorado, garnishments can be a source of financial stress and hardship for individuals already struggling with debt. However, there are legal avenues available to stop or prevent garnishments. In this article, we will explore the steps you can take to halt a garnishment in Colorado and provide answers to some frequently asked questions regarding the process.

1. Understand the Garnishment Process in Colorado:

Before delving into the steps to stop a garnishment, it is crucial to have a basic understanding of the garnishment process in Colorado. Typically, the creditor must obtain a court order before initiating a garnishment. Once the order is granted, your employer will deduct a portion of your wages and send it directly to the creditor. It is important to note that certain types of income, such as Social Security benefits, are protected from garnishment in Colorado.

2. Seek Legal Advice:

If you are facing a garnishment, it is advisable to seek legal advice from a qualified attorney who specializes in debt and bankruptcy law. An attorney can assess your situation, determine if the garnishment is legal, and guide you through the process of stopping it.

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3. File for Bankruptcy:

Filing for bankruptcy can immediately halt a garnishment in Colorado. When you file for bankruptcy, an automatic stay is put into effect, which prevents creditors from pursuing collection actions, including wage garnishment. However, bankruptcy should be considered as a last resort, and it is essential to consult with an attorney to understand the potential consequences and benefits.

4. Negotiate with the Creditor:

In some cases, negotiating with the creditor may be a viable option to stop a garnishment. Contact the creditor or their legal representative and explain your financial hardships. Discuss the possibility of establishing a payment plan or settling the debt for a lower amount. It is crucial to get any agreement in writing to ensure its enforceability.

5. Contest the Garnishment:

If you believe the garnishment is improper or unlawful, you have the right to contest it. Consult with an attorney to determine if any procedural errors were made during the garnishment process. If so, your attorney can file a motion to quash the garnishment order or request a hearing to present your case.

6. Claim Exemptions:

Under Colorado law, there are certain exemptions that can protect a portion of your wages from garnishment. For example, the head of household exemption allows you to protect a specific amount of your wages if you provide more than 50% of the support for a dependent. Consult with an attorney to determine if you qualify for any exemptions and to assist you in claiming them.

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7. Educate Yourself:

One of the best ways to prevent future garnishments is to educate yourself on financial management and debt reduction strategies. Seek resources, attend financial literacy courses, and consider working with a credit counseling agency to develop a budget and repayment plan that suits your circumstances.


1. Can multiple creditors garnish my wages simultaneously?
Yes, multiple creditors can garnish your wages simultaneously. However, there are limits to the amount that can be garnished in a week, protecting a portion of your income.

2. How much can be garnished from my wages?
In Colorado, the maximum amount that can be garnished from your wages depends on your disposable earnings and the type of debt. Generally, creditors can garnish up to 25% of your disposable earnings or the amount exceeding 30 times the federal minimum wage, whichever is less.

3. Can I stop a garnishment if I can prove financial hardship?
Proving financial hardship may be a valid defense to stop or reduce a garnishment. Consult with an attorney to determine if your circumstances meet the criteria for financial hardship.

4. Can a creditor garnish my bank account in Colorado?
Yes, a creditor can garnish your bank account in Colorado if they have obtained a court order. However, certain funds, such as Social Security benefits, may be exempt from garnishment.

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5. Can I be fired for having a wage garnishment?
No, under federal law, an employer cannot terminate an employee solely based on having one wage garnishment. However, there are limitations to this protection, and multiple garnishments may have different consequences.

6. Can I stop a garnishment once it has started?
Yes, a garnishment can be stopped or modified even after it has commenced. Seek legal advice to explore your options and take appropriate action.

7. How long does a garnishment last in Colorado?
In Colorado, a garnishment can last up to 180 days. However, if the debt is not fully satisfied within this period, the creditor may seek a renewal of the garnishment order.


Dealing with a garnishment can be overwhelming and financially challenging. However, it is essential to remember that there are legal options available to help you stop or prevent a garnishment in Colorado. Seeking professional advice, negotiating with creditors, and understanding your rights are key steps towards resolving the situation and regaining control of your finances.