Employers who receive a creditor’s request to garnish one of their employees’ wages for debt from a consumer credit transaction should expect that request to be accompanied by a court order authorizing the requested garnishment and be served with the required accompanying forms related to exempt earnings. Under Colorado law, garnishing an employee’s wages for debt from a consumer credit transaction is expressly prohibited unless judgment has been entered by a court. C.R.S. s 5-5-105.
Employers who receive garnishment requests from creditors for debt from a consumer credit transaction that are not served along with a court order may contact the Colorado Department of Law at uccc@coag.gov.