republic-os/legislation/us/states/co/2021a/sb-21-002.md

---
type: "Bill"
title: "Extending Limitations On Debt Collection Actions"
description: "The act extends the time in which debtors experiencing financial hardship due to the COVID-19 emergency may have extraordinary debt collection actions suspended. Existing law required a judgment creditor (creditor) to provide a notice to a judgment debtor (debtor) before instituting an extraordinary debt collection action, which includes an action in the nature of a garnishment, attachment, levy, or execution to collect or enforce a judgment. The debtor may suspend the collection action by notifying the creditor that the debtor is experiencing financial hardship due to COVID-19. The obligation to provide notice and the suspension of the collection action were effective through February 1, 2021. The act extends the effective period for the notice and the suspension to June 1, 2021. If a collection action has already been suspended by the debtor, the suspension is now effective through June 1, 2021.In addition, under existing law, up to $4,000 cumulative in a depository account or accounts in a debtor's name is exempt from levy and sale under a writ of attachment or execution through February 1, 2021. The act extends that date to June 1, 2021.(Note: This summary applies to this bill as enacted.)"
jurisdiction: "us/states/co"
legislature: "Colorado General Assembly"
session: "2021A"
identifier: "SB 21-002"
citation: "Colorado SB 21-002 (2021A)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Faith Winter", "Julie Gonzales", "Leslie Herod"]
version_count: 11
action_count: 13
vote_count: 2
first_action: "2021-01-13T07:00:00+00:00"
last_action: "2021-01-21T07:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/79ad4706-fa98-4795-90f3-dbfaf0b8b1f6"
source_url: "http://leg.colorado.gov/bills/sb21-002"
source_hash: "259113a923172acc98ebee0c49e35859e73b2e9c769220542c7e95dfb3ca5dc8"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-co"]
---

# Colorado SB 21-002 (2021A) — Extending Limitations On Debt Collection Actions

The act extends the time in which debtors experiencing financial hardship due to the COVID-19 emergency may have extraordinary debt collection actions suspended. Existing law required a judgment creditor (creditor) to provide a notice to a judgment debtor (debtor) before instituting an extraordinary debt collection action, which includes an action in the nature of a garnishment, attachment, levy, or execution to collect or enforce a judgment. The debtor may suspend the collection action by notifying the creditor that the debtor is experiencing financial hardship due to COVID-19. The obligation to provide notice and the suspension of the collection action were effective through February 1, 2021. The act extends the effective period for the notice and the suspension to June 1, 2021. If a collection action has already been suspended by the debtor, the suspension is now effective through June 1, 2021.In addition, under existing law, up to $4,000 cumulative in a depository account or accounts in a debtor's name is exempt from levy and sale under a writ of attachment or execution through February 1, 2021. The act extends that date to June 1, 2021.(Note: This summary applies to this bill as enacted.)

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Amendment L.001** (committee substitute) — [source](http://coga.prod.acquia-sites.com/sites/default/files/html-attachments/4a9b1109e2ed0f018725865c0070ea1f__hearing_summary/21SenateFin0113AttachB.pdf)
2. **Committee Amendment** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/2021a_sb002_h_fin_001.pdf)
3. **Engrossed (01/13/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2021A/bills/2021a_002_eng.pdf)
4. **Final Act (01/15/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2021A/bills/2021a_002_enr.pdf)
5. **Introduced (01/13/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2021A/bills/2021a_002_01.pdf)
6. **PA1 (01/13/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2021A/bills/2021a_sfin_01.pdf)
7. **PA2 (03/01/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2021A/bills/2021a_002sfin_02.pdf)
8. **Reengrossed (01/14/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2021A/bills/2021a_002_rn4.pdf)
9. **Rerevised (01/15/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2021A/bills/2021a_002_rer.pdf)
10. **Revised (01/14/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2021A/bills/2021a_002_rev.pdf)
11. **Signed Act (01/21/2021)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/2021a_002_signed.pdf)

## Votes

- BILL — **44–20** (pass) · lower
- BILL — **34–0** (pass) · upper

## Sponsors

- Faith Winter — primary (person)
- Julie Gonzales — primary (person)
- Leslie Herod — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-01-21T07:00:00+00:00** Governor Signed `executive-signature`
- **2021-01-15T07:00:00+00:00** Sent to the Governor `executive-receipt`
- **2021-01-15T07:00:00+00:00** Signed by the Speaker of the House
- **2021-01-15T07:00:00+00:00** Signed by the President of the Senate
- **2021-01-15T07:00:00+00:00** House Third Reading Passed - No Amendments `passage, reading-3`
- **2021-01-14T07:00:00+00:00** House Second Reading Special Order - Passed - No Amendments
- **2021-01-14T07:00:00+00:00** House Committee on Finance Refer Unamended to House Committee of the Whole `committee-passage, referral-committee`
- **2021-01-14T07:00:00+00:00** Introduced In House - Assigned to Finance `introduction`
- **2021-01-14T07:00:00+00:00** Senate Third Reading Passed - No Amendments `passage, reading-3`
- **2021-01-13T07:00:00+00:00** Senate Second Reading Special Order - Passed with Amendments - Committee
- **2021-01-13T07:00:00+00:00** Senate Committee on Appropriations Refer Unamended - Consent Calendar to Senate Committee of the Whole `committee-passage`
- **2021-01-13T07:00:00+00:00** Senate Committee on Finance Refer Amended to Appropriations `referral-committee`
- **2021-01-13T07:00:00+00:00** Introduced In Senate - Assigned to Finance `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/79ad4706-fa98-4795-90f3-dbfaf0b8b1f6`. Confidence: reported (aggregated from official Colorado legislature records).