🏛️ Connecticut Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in Connecticut? Wage garnishment is a key tool for recovering money owed to you in the Constitution State. Connecticut follows federal garnishment guidelines with some state-specific nuances. This guide covers everything you need to know about garnishing wages in Connecticut as part of your Connecticut judgment collection strategy.
⚖️ What Is Wage Garnishment in Connecticut?
Wage garnishment in Connecticut allows judgment creditors to collect money directly from a debtor’s paycheck. The process is governed by Connecticut General Statutes Title 52, Chapter 906, following federal CCPA guidelines.
For judgment creditors working on how to collect a judgment, wage garnishment is highly effective. Our skip tracing services help locate debtors and their employers throughout Connecticut.
💡 Key Point: Connecticut judgments last 20 years – one of the longest periods in the country! This gives creditors substantial time to pursue collection through wage garnishment.
🏛️ Types of Wage Garnishment
- Consumer Debt Garnishment – Limited to 25% of disposable earnings
- Child Support Withholding – Up to 50-65% of disposable earnings
- Tax Levies – Federal IRS and Connecticut DRS have broader powers
- Student Loan Garnishment – Up to 15% for federal student loans
💰 Connecticut Wage Garnishment Limits
Connecticut follows federal CCPA standards. Maximum garnishment is the lesser of:
🔢 Option 1: 25% of disposable earnings
💵 Option 2: Amount exceeding 30× federal minimum wage ($217.50/week)
📋 Connecticut Exemption Table
| Debt Type | Maximum Garnishment | Notes |
|---|---|---|
| 📄 Consumer Debt | 25% or 30× min wage test | Standard process |
| 👨👩👧 Child Support | 50-65% | Priority over others |
| 🎓 Student Loans | 15% | Administrative process |
| 🏛️ Tax Debt | Varies | Broad powers |
🔍 Need to Find a Debtor’s Employer in Connecticut?
Our employment verification services locate employer information within 24 hours.
Order Employer Search →📋 Steps to Garnish Wages in Connecticut
- Obtain a Money Judgment
Get a Connecticut judgment or domesticate an out-of-state judgment.
- Locate the Debtor and Employer
Our Connecticut skip tracing finds employer information.
- Apply for Wage Execution
File Application for Wage Execution with the court. Connecticut uses specific forms.
- Serve the Employer
Have the wage execution served on the employer by a state marshal or proper authority.
- Employer Compliance
Employer must begin withholding and remitting wages according to the order.
- Debtor Notice
Debtor receives notice and has opportunity to claim exemptions.
- Ongoing Collection
Garnishment continues until judgment satisfied or terminated by court.
🔍 Skip Tracing in Connecticut
Connecticut’s dense population and commuter patterns can make locating debtors challenging. Our services cover all areas:
🏙️ Connecticut Coverage
- Connecticut Statewide
- Hartford – State capital, insurance industry hub
- New Haven – Yale University area, healthcare
- Stamford/Greenwich – NYC commuter corridor, finance
- Bridgeport – Largest city, diverse employment
- Waterbury – Central Connecticut manufacturing
🎯 Connecticut Debtor Hiding from Collection?
20+ years helping creditors locate judgment debtors throughout Connecticut and the tri-state area.
Start Your Search →⏱️ Garnishment Timeline
Week 1: File Application for Wage Execution
Week 1-2: Serve employer via state marshal
Week 2-4: Employer begins withholding
Week 4-6: First payment received
🛡️ Debtor Protections
- 30× minimum wage protection
- Exempt income – Social Security, SSI, veterans benefits
- Objection rights – Can claim exemptions
- Hardship claims – Court may modify in extreme cases
⚠️ Legal Note: This is general information, not legal advice. Complex matters may require a Connecticut attorney. Our skip tracing for law firms supports legal professionals.
📍 Our Connecticut Services
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📞 Ready to Collect Your Connecticut Judgment?
Get Started Today →❓ FAQs
The lesser of 25% of disposable earnings OR amount exceeding 30× federal minimum wage.
20 years – one of the longest in the nation.
The Superior Court that issued the judgment or where the judgment was filed handles wage execution applications.
