CO Garnishment Law
Colorado offers enhanced wage garnishment protections compared to federal law. The state protects 40 times the Colorado minimum wage from garnishment, which at $14.42 per hour means $576.80 per week is shielded. This is substantially more than the federal protection of $217.50 per week. Colorado's approach ensures that workers earning closer to minimum wage retain a larger portion of their earnings.
| State abbreviation | CO |
|---|---|
| Consumer debt limit | 25% of disposable earnings, subject to the 40x minimum wage test |
| Child support limit | 50% if supporting another family, 60% otherwise, plus 5% for arrears |
| Federal student loans | 15% administrative garnishment cap |
| State minimum wage | $14.42 |
| Minimum wage source used in calculator | Colorado minimum wage |
| Head of household protection | No additional protection listed |
| Statute reference | Colorado Revised Statutes §13-54-104 |
Colorado protects 40 times the state minimum wage, providing stronger protection than federal law. With Colorado's minimum wage of $14.42/hr, this protects $576.80/week.
Tax levy note: Colorado Department of Revenue can levy wages for state tax debts.