Connecticut Judgment Enforcement Guide | Debt Collection & Skip Tracing

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Connecticut Judgment Enforcement — Quick Facts

20 yrs
Judgment Lifespan
6 yrs
Debt SOL (Written)
10%
Post-Judgment Interest
✗
COMMUNITY PROPERTY STATE

Connecticut offers a 20-year judgment lien period and 10% post-judgment interest, making it one of the more favorable states for creditors. Wage garnishment is available at 25%, and the relatively low homestead exemption of $75,000 means real property liens can be very effective.

Connecticut Statute of Limitations on Debt

Debt Type Limitation Period Statute
Written Contract 6 years CGS §52-576
Open Account / Credit Card 6 years CGS §52-576
Oral Contract 3 years CGS §52-585
Promissory Note 6 years CGS §52-576
Judgment Lien 20 years CGS §52-380a

Connecticut’s 6-year SOL for contract claims runs from the date of breach. Partial payments restart the clock under the acknowledgment doctrine.

Post-Judgment Interest Rate

Connecticut post-judgment interest accrues at 10% per annum under CGS §37-3a. Interest begins on the date of judgment and is simple (non-compounding).

Judgment Recovery Methods in Connecticut

Wage Garnishment yes
Connecticut permits wage garnishment of 25% of disposable earnings. A wage execution must be issued by the court after a waiting period and debtor notice (CGS §52-361a).
Bank Account Levy yes
Bank account executions are available under CGS §52-367b. Creditor serves a bank execution on the financial institution, which must hold funds pending claim of exemptions.
Abstract of Judgment / Lien yes
A judgment lien may be created by recording a certificate of judgment in the town land records (CGS §52-380a). The lien attaches to all real property in that town.
Turnover Order limited
Post-judgment examinations are available under CGS §52-397. Courts may issue orders compelling disclosure of assets.
Writ of Execution yes
Executions on personal property are available under CGS §52-356. The officer may levy on non-exempt personal property and proceeds from the sale applied to the judgment.
Vehicle Levy yes
Motor vehicles are generally not exempt from execution in Connecticut unless they are necessary for employment and the equity is minimal. Court discretion applies.

Debtor Exemptions

Asset Type Exemption Amount Statute
Homestead $75,000 CGS §52-352b(t)
Motor Vehicle $3,500 equity CGS §52-352b(j)
Wages 75% of disposable earnings CGS §52-361a
Retirement All ERISA-qualified plans CGS §52-352b(m)
Personal Property $1,500 CGS §52-352b

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Official Connecticut Resources

Connecticut Judicial Branch – Case LookupCivil case search statewideConnecticut SOS – Business SearchEntity & registered agent lookupConnecticut General Statutes – LegislatureOfficial state codeConnecticut Town Clerk FinderLand records & judgment lien recording

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Disclaimer: This page is for informational purposes only and does not constitute legal advice. Statutes change — verify current law with a licensed Connecticut attorney before taking collection action.