Specifically for Harris & Harris collecting auto loan debt in Denver, CO
What to do when a creditor gets a garnishment order, how to challenge it, and state-by-state exemptions that may protect your wages. This guide is tailored to residents of Denver dealing with Harris & Harris, one of the most-complained-about debt collectors for auto loan debt accounts. In Colorado, the statute of limitations is 6 years and wage garnishment is capped at 25% or amount exceeding 40x federal min wage.
6 years
Colorado SOL on Auto Loan Debt
$23,792
Average Auto Loan Debt
25% or amount exceeding 40x
Garnishment Limit
Harris & Harris has a documented pattern of FDCPA violations. If any of these happen to you, document them immediately and file a CFPB complaint.
These steps apply directly to your situation as a Denver resident dealing with Harris & Harris.
Creditors must first obtain a court judgment, then apply for a garnishment order from the court, then serve your employer. Your employer is legally required to withhold wages and send them to the creditor. This is a multi-step legal process — if there's a judgment you didn't know about, you were likely served and ignored it.
Federal law limits garnishment to 25% of disposable earnings or the amount exceeding 30x federal minimum wage, whichever is less. But many states have stronger protections: NC, PA, TX have virtually no garnishment for consumer debts. FL protects head-of-household wages entirely.
If the garnishment would cause you financial hardship, or if you qualify for an exemption (Social Security income, disability, certain retirement accounts), file a Claim of Exemption with the court that issued the order. Do this within the deadline (usually 10-30 days).
If you were never properly served with the lawsuit, you may be able to set aside the default judgment through a 'motion to vacate.' This undoes the judgment and gives you a chance to actually defend the case.
Offer the creditor a lump-sum settlement to release the garnishment. With a judgment already in place, creditors may accept 50-60% as a lump sum rather than waiting for months of garnishment. Get the release in writing.
These strategies are specific to auto loan debt — the type of debt Harris & Harris is collecting from Denver residents.
Colorado Fair Debt Collection Practices Act governs debt collection in Colorado. File complaints with: AG Consumer Protection.
In Colorado, wage garnishment is limited to 25% or amount exceeding 40x federal min wage. Income sources protected from garnishment include: Social Security, Workers' comp, Unemployment, Pension. Harris & Harris must first obtain a court judgment before any garnishment can begin.
The statute of limitations for auto loan debt in Colorado is 6 years. After this period expires, Harris & Harris cannot win a lawsuit on the debt if you raise the SOL as a defense in your Answer. Never ignore a lawsuit even on time-barred debt.
Known violations by Harris & Harris include: Threatening arrest or criminal prosecution for civil debt; Adding unauthorized collection fees; Failing to provide proper mini-Miranda warning. Document any violations immediately and file a complaint at consumerfinance.gov/complaint.
To dispute auto loan debt with Harris & Harris: send a written validation request via certified mail within 30 days of first contact, demand the original creditor name, full chain of assignment, and original signed agreement. Start with: challenge deficiency balance after repossession.
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