What if I miss the deadline?

Missing a court‑ordered deadline can lead to sanctions, contempt findings, or default enforcement actions. If you cannot comply, promptly notify the court and opposing counsel and request a short extension with reasons and supporting evidence.

Can I e-sign the disclosure?

Most jurisdictions accept electronic signatures under ESIGN and UETA, but confirm the court’s local rules and whether a notarized or sworn form is still required; some courts require wet or remotely notarized signatures for sworn statements.

Are supporting documents required?

Courts commonly require attachments such as recent bank statements, pay stubs, deeds, or vehicle titles when requested. Failure to attach supporting documents may prompt a motion to compel or supplemental discovery.

How do I protect sensitive data?

Redact nonessential personal identifiers when filing publicly and use secure transmission channels. For health or HIPAA‑covered information, ensure the vendor provides a BAA before sharing protected health information.

What happens if I provide false information?

Knowingly false or incomplete disclosures can result in perjury charges, contempt sanctions, monetary penalties, and adverse evidentiary rulings against the debtor in enforcement proceedings.

Can I update or amend the disclosure?

Yes; file an amended disclosure promptly with corrected information and supporting documentation. Notify the creditor and court and explain the reason for the amendment to avoid sanctions.

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Judgment Debtor Financial Disclosure

Judgment Debtor Financial Disclosure

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OBJECTION TO CALCULATION OF THE AMOUNT OF EXEMPT EARNINGS

County Court District Court

Court address:

, Colorado

Plaintiff(s):

v.

Defendant(s):

Judgment Debtor's Attorney or Judgment Debtor (Name and Address):

Phone Number:

E-mail:

FAX Number:

Atty.Reg. #:

COURT USE ONLY

Case Number:

Division

Courtroom

OBJECTION TO CALCULATION OF THE AMOUNT OF EXEMPT EARNINGS

Instructions to Judgment Debtor: Use this form to object to the calculations of your exempt earnings.

Name:

Phone Number:

Street Address:

Mailing Address, if different:

City:

State:

Zip Code:

EXEMPTION CHART

("Minimum Hourly Wage" means state or federal minimum wage, whichever is greater.)

PAY PERIOD

Weekly

Bi-Weekly

Semi-monthly

Monthly

AMOUNT EXEMPT IS THE GREATER OF:

30 x Minimum Hourly Wage or 75% of Disposable Earnings

60 x Minimum Hourly Wage or 75% of Disposable Earnings

65 x Minimum Hourly Wage or 75% of Disposable Earnings

130 x Minimum Hourly Wage or 75% of Disposable Earnings

1. Judgment Debtor's objection to the Garnishee's Calculation of the Amount of Exempt Earnings because I believe that the correct calculation is:

Gross Earnings for My Pay Period from thru $

Less Deductions Required by Law (For Example, Withholding Taxes, FICA) - $

Disposable Earnings (Gross Earnings Less Deductions) = $

Less Statutory Exemption (Use Exemption Chart on Writ) - $

Net Amount Subject to Garnishment = $

Less Wage/Income Assignment(s) During Pay Period (If Any) - $

Amount which should be withheld = $

OR

2. The earnings garnished are pension or retirement benefits/deferred compensation/health, accident or disability insurance and they are totally exempt because:

I understand that I must make a good faith effort to resolve my dispute with the Garnishee.

I have have not attempted to resolve this dispute with the Garnishee.

Name of Person I Talked to:

Phone Number:

Position:

Debtor's Notice to Garnishee:

Even though I am filing this Objection, you are directed to send my nonexempt earnings to the Court at the address noted instead of to the party designated in paragraph "A" on the front of the Writ of Continuing Garnishment. The Court will hold my nonexempt earnings in its registry until my Objection is resolved.

I certify that the above is correct to the best of my knowledge and belief and that I sent a copy of this document by certified mail (return receipt requested) to both the Garnishee and to the Judgment Creditor, or if the Judgment Creditor is represented by Counsel, Certified mail (return receipt requested) to the Judgment Creditor's Attorney or E-Service to the Judgment Creditor's Attorney.

By checking this box, I am acknowledging that I am filling in the blanks and not changing anything else on the form.

By checking this box, I am acknowledging that I have made a change to the original content of this form.

Garnishee

Address:

Judgment Creditor or Attorney

Address:

Signature of Judgment Debtor or

Judgment Debtor's Counsel and Reg. Number

FORM 28SC R3/18 OBJECTION TO CALCULATION OF THE AMOUNT OF EXEMPT EARNINGS

What the Judgment Debtor Financial Disclosure Is and When It Applies

A Judgment Debtor Financial Disclosure is a sworn, structured statement a court or creditor may require a judgment debtor to complete after a monetary judgment is entered. It collects identifying information, income, bank and investment accounts, real property, vehicles, retirement plans, business interests, outstanding debts, and regular expenses. Creditors use the disclosure during post‑judgment collection to locate attachable assets, evaluate exemption claims, and decide whether to pursue garnishment, levy, or contempt proceedings. Courts often treat the form as discovery; incomplete or false disclosures can trigger sanctions.

Why this disclosure matters for collection and compliance

Completing the Judgment Debtor Financial Disclosure accurately helps the debtor comply with court orders and lets creditors and courts assess enforceable assets. It speeds collection, reduces contested discovery disputes, and documents the debtor’s financial position under oath, which supports fair resolution while protecting creditor rights.

Typical parties who prepare, request, or review the disclosure

The form is used by courts, judgment creditors, judgment debtors, and their attorneys to support post‑judgment enforcement and discovery.

Judgment creditors and their counsel review disclosures to identify garnishment or levy targets and to prepare enforcement motions.
Judgment debtors or their representatives complete disclosures to comply with court orders and to assert valid exemptions.
Court clerks and judges use disclosures as part of post‑judgment case management and to decide sanctions or further relief.

Accurate, timely submissions reduce the risk of contempt, fines, or additional enforcement costs and preserve legal defenses.

Core sections every professional disclosure should include

A complete Judgment Debtor Financial Disclosure groups information into logical sections so creditors and courts can assess collectability efficiently.

Debtor Identification

Full legal name, aliases, date of birth, SSN last four, and current mailing and physical addresses so parties can match records and effect service.

Income Sources

Itemize wages, self‑employment income, unemployment, public benefits, rental income, and any recurring payments with payer names and amounts.

Bank & Investment Accounts

List financial institutions, account types, account numbers or last four digits, and typical balances to locate funds for levy or garnishment.

Real Property & Vehicles

Provide addresses, parcel or VIN numbers, ownership percentage, mortgage details, and approximate equity values for attachment analysis.

Liabilities & Exemptions

Detail secured loans, judgments, child support obligations, and asserted statutory exemptions with supporting bases for each exemption claim.

Certification & Signature

A sworn statement, date, signature, and notarization or verification if required by the jurisdiction or court order.

Step-by-step: completing and submitting the disclosure

Follow these practical steps to prepare and file the Judgment Debtor Financial Disclosure accurately and on time.

01

Gather documents: Collect pay stubs, bank statements, deeds, titles, and recent tax returns before filling.
02

Complete sections: Enter identification, income, assets, liabilities, and exemptions completely and truthfully.
03

Sign and verify: Sign under penalty of perjury and secure required notarization or court verification.
04

File or serve: File with the court clerk and serve copies to the judgment creditor per court rules.

Configure a digital workflow for efficient submission

Set up fields and authentication to match court and creditor requirements before sending the form for signature.

Field \| Configuration	Required \| Optional
Signature Field	Required \| Signer must initial and sign full name.
Date Field	Required \| Use MM/DD/YYYY format.
Attachment Field	Optional \| Attach supporting bank or payroll documents.
Authentication	Set to email + SMS code for higher assurance.

Digital completion and submission flow

Typical eSubmission follows a simple sequence from upload to auditable completion.

Upload Document: Sender uploads the disclosure PDF or DOCX to the signing platform.
Place Fields: Add signature, date, and attachment fields with conditional logic if needed.
Authenticate Signer: Choose email link, SMS code, or higher assurance method depending on court rules.
Complete & Archive: Signed copy and audit trail produced and stored for retention.

Technical and format considerations for electronic submission

Confirm the court accepts electronic submissions and the allowable file types before e‑filing or e‑serving.

File Formats: PDF and DOCX are commonly accepted.
Authentication: Email with SMS or KBA increases signer assurance.
Integrations: Platforms integrate with case management and storage systems.

Maintain both the signed document and the platform-generated audit trail (timestamps, IP, signer email) to demonstrate compliance with ESIGN and state electronic transaction laws.

Typical timelines and court deadlines to expect

Deadlines for completing a Judgment Debtor Financial Disclosure depend on the issuing court order; some standard timing ranges are below.

Court-Ordered Response Window:

Often 14–30 days to complete and return, depending on the judge’s order or local rules.

Request for More Information:

Creditors may request supplemental documents within 7–14 days of receiving the disclosure.

Motion to Compel:

If incomplete, a creditor can seek a motion to compel after the response deadline.

Contempt Proceeding:

Courts may schedule contempt hearings if disclosures are refused or falsified.

Record Retention:

Retain submitted disclosures and supporting records for statutory retention periods.

Key stages in post‑judgment enforcement

These milestones reflect the sequential steps from judgment entry through enforcement actions.

01

Judgment Entered

Court issues judgment and creditor may request disclosure or supplemental discovery.

02

Disclosure Served

Debtor receives the disclosure requirement and deadline for completion.

03

Creditor Review

Creditor analyzes disclosures and supporting documents to identify collectible assets.

04

Enforcement Action

Garnishment, bank levy, or other remedies pursued where assets are located.

Common preparation pitfalls to avoid

Incomplete asset listings — omitting accounts, joint property, or cash on hand complicates enforcement and raises suspicion.
Incorrect or inconsistent identifying information delays bank or employer responses and may require amendments.
Failure to attach supporting documents such as recent bank statements or pay stubs prompts further court orders.
Missed or incorrect notarization — some courts require sworn, notarized statements or tolerances for remote notarization only.

Consequences of inaccurate or withheld disclosures

Contempt Sanctions: Fines or jail time for willful refusal to comply.

Monetary Fines: Court may award fines and creditor costs.

Perjury Exposure: False statements under oath can trigger criminal penalties.

Fee Shifting: Debtor may be ordered to pay creditor’s legal fees.

Adverse Inference: Court may presume assets exist and permit enforcement.

Enforcement Remedies: Wage garnishment, bank levy, or property liens can follow.

Security and compliance points for handling disclosures electronically

Data in transit: TLS 1.2/1.3

Data at rest: AES‑256 encryption

Authentication: Multi‑factor available

Regulatory: ESIGN and UETA compliant

Certifications: SOC 2 Type II and ISO 27001

Health data: HIPAA support with BAA

E-signature vendor pricing and capability snapshot for disclosure workflows

Compare entry pricing, trial availability, bulk send capability, audit trail presence, HIPAA support, and envelope limits across common providers.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	7‑day free trial, no card	Varies by vendor	Varies by vendor	Varies by vendor	Varies by vendor
Bulk Send	Yes	Yes	Yes	Yes	Yes
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Yes	Yes	No	No
Envelope Cap	No cap	100 envelopes/user/year	Varies	Varies	Varies

Frequently asked questions about preparing and submitting the disclosure

Answers to common procedural, technical, and legal questions when completing a Judgment Debtor Financial Disclosure.

Need help? Contact support

What if I miss the deadline?
Missing a court‑ordered deadline can lead to sanctions, contempt findings, or default enforcement actions. If you cannot comply, promptly notify the court and opposing counsel and request a short extension with reasons and supporting evidence.
Can I e-sign the disclosure?
Most jurisdictions accept electronic signatures under ESIGN and UETA, but confirm the court’s local rules and whether a notarized or sworn form is still required; some courts require wet or remotely notarized signatures for sworn statements.
Are supporting documents required?
Courts commonly require attachments such as recent bank statements, pay stubs, deeds, or vehicle titles when requested. Failure to attach supporting documents may prompt a motion to compel or supplemental discovery.
How do I protect sensitive data?
Redact nonessential personal identifiers when filing publicly and use secure transmission channels. For health or HIPAA‑covered information, ensure the vendor provides a BAA before sharing protected health information.
What happens if I provide false information?
Knowingly false or incomplete disclosures can result in perjury charges, contempt sanctions, monetary penalties, and adverse evidentiary rulings against the debtor in enforcement proceedings.
Can I update or amend the disclosure?
Yes; file an amended disclosure promptly with corrected information and supporting documentation. Notify the creditor and court and explain the reason for the amendment to avoid sanctions.

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