Connecticut Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Connecticut
Connecticut (CT) - At a Glance
| State Consumer Protection Law | Connecticut Creditors' Collection Practices Act (CCPA) |
| Source | Conn. Gen. Stat. ยง 36a-645 et seq. |
| Covers Original Creditors? | YES - covers original creditors too |
| Max Wage Garnishment | 0% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $1,000 in bank |
| Homestead Exemption | $75,000 |
Key Protections in Connecticut
- CCPA covers original creditors (rare state protection)
- Connecticut BANS wage garnishment for consumer debts (major protection)
- No wage garnishment except for child support, taxes, student loans
- Collectors must be licensed in Connecticut
- Significant extra-FDCPA protections
Wage Garnishment in Connecticut
After a court judgment, creditors in Connecticut can garnish up to 0% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Connecticut follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
Note: Some or all wages may be exempt from garnishment in Connecticut. Consult a local attorney.
File a Complaint in Connecticut
If a debt collector violates the FDCPA or Connecticut Creditors' Collection Practices Act (CCPA):
- File with the Connecticut Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)
Connecticut Debt Resources
Connecticut Statute of Limitations
Credit card, medical, auto, and personal loan SoL in Connecticut.
View SoL →SoL Date Calculator
Calculate the exact SoL expiration date for your debt.
Check SoL →Federal Collector Rules
What debt collectors can and can't do under federal law.
Read Guide →