CO SB131

Adopts the "Uniform Wage Garnishment Act" as Colorado law, creating a new article 54.7 to Title 13 with comprehensive procedures for wage garnishment actions.

Establishes procedures for creditors to initiate garnishment by filing a writ with the court, requiring service on the employer's registered agent or employer directly.

Limits maximum garnishment to the lesser of 25% of disposable earnings per workweek, the amount exceeding 30 times the federal minimum wage, or the amount exceeding 30 times the state minimum wage.

Requires employers to respond within 21 days, begin garnishment at least 30 days after employee notification, send withheld amounts to creditors within 5 business days, and maintain calculation worksheets showing how garnishment amounts were determined.

Imposes penalties on employers for non-compliance (ranging from $5 to $20 per day depending on the violation) and on creditors acting in bad faith (up to $1,000 plus $50 per day and attorney's fees), while prohibiting employers from taking adverse action against employees due to garnishment.