A parent at the kitchen table with the child support worksheet, pay stubs and statements spread out, a calculator and a framed photo of her son

Back child support in Colorado: what a parent can actually do.

Support that was ordered and not paid is called arrears. In Colorado each missed payment becomes a court judgment the day it is missed, with interest, and it can be collected for twenty years. In plain English: what the parent who is owed can do, what the Family Support Registry and the county child support office will and will not do for you, and what to do if you are the one behind.

  1. 01Three rules about arrears
  2. 02What the parent owed can do
  3. 03The Family Support Registry
  4. 04The county child support office
  5. 05The county, a lawyer, or both
  6. 06If you are the one behind
  7. 07What does and does not count
  8. 08Interest and the twenty-year clock
  9. →What people ask first
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Child support belongs to the child. That one idea explains almost every rule on this page.

It is why a missed payment becomes a judgment the moment it is missed, without anyone going to court. It is why no judge can forgive payments already due, why the other parent’s promise to let it go is not a defense, and why waiting can cost the parent owed the interest but never the principal. For the parent who is owed, the money is secure for twenty years from each due date. For the parent who owes, it grows every month the order stands, and only a motion to modify, actually filed, stops it.

Most parents do not need the statutes; they need to know what to do next. Two offices do most of the work in Colorado, and they are often confused with each other. The Family Support Registry is the state’s payment office: money goes in, money goes out, and it keeps the record. The county child support office, called Child Support Services, is the collector: it sets support, finds the other parent, and uses tools no private lawyer has. Both are explained below, then the choices, then the arithmetic for anyone who wants it. The statutes are listed at the end.

The Colorado child support guidelines, a worksheet and a 2026 notebook on a desk
The order sets the number; the ledger proves the debt
0
Missed payments a judge can forgive

Each one is a final judgment. A change in support reaches only payments due after a motion is filed.

20 years
To collect each missed payment

Counted from each due date. An Entry of Support Judgment filed in time keeps every payment it covers alive.

10%
Interest a year

On payments missed since July 1, 2021. The parent owed may waive it; the court may reduce it for good cause.

Free
To apply for county child support services

No application fee. A $35 annual fee on some cases, taken from the support once more than $550 a year is collected.

Contact me now.
Back support owed, or owing? Three fields, thirty seconds. During business hours my office calls you back within the hour.

Three rules about arrears that decide most cases.

Everything else on this page follows from these.

01
Every missed payment is already a judgment.

The day a payment is due and not paid, it becomes a final money judgment, automatically. Nobody has to sue. It earns interest from that day and can be collected for twenty years.

02
A judge cannot erase the past.

Support can be changed only for payments that come due after a motion to modify is filed. The payments already missed stay owed, in full, whatever the reason. The one common exception: if the child moved in with the paying parent, support can be adjusted back to the move.

03
Only a court can change the order.

A deal between parents, by text, email or handshake, is not effective until a court approves it. And support and parenting time are separate: withheld weekends do not excuse withheld support, and unpaid support does not excuse withheld weekends.

Child support belongs to the child. That is why the principal cannot be forgiven by a judge, waived by a text, or lost to delay.

What the parent who is owed can do.

In rough order of how often they work. The first two cost nothing; the county runs most of it; a lawyer runs the rest.

The toolWhat it doesWho uses it
Wage withholding (income assignment)Already in most orders. The employer takes the support out of each paycheck and sends it to the Registry. If it is not in place, you, a lawyer or the county can serve the employer with the notice; when your ex changes jobs, the county’s new-hire match finds the new employer.You, a lawyer, or the county
The county’s toolsDriver’s license and professional-license suspension, tax refund and lottery intercepts, reporting to the credit bureaus, a bank levy, a passport hold above $2,500 in arrears, liens on property, and a claim on insurance settlements. No private lawyer can use these.Only the county
An Entry of Support JudgmentA sworn form (JDF 1813) listing what was owed, what was paid and the total with interest, filed in your existing case. No fee, no lawyer required. It makes the total a lien you can record against real estate, and it is the basis for garnishing wages and bank accounts.You or a lawyer
Contempt of courtA hearing where your ex must explain to the judge why the support was not paid. The Registry record is the proof. The judge can order payment on a schedule, fees, and, in the right case, jail until a purge amount is paid. See Contempt of Court.You, a lawyer, or the county
A lienA $25 transcript of judgment recorded with the county clerk in any county where your ex owns, or may own, real estate. It is paid when the property is sold or refinanced.You or a lawyer
Security or a bondFor a parent who is self-employed or paid in cash, the court can require money or a bond up front so the support does not depend on a paycheck.The court, on request
A manager with a clipboard on a warehouse floor
The employer withholds; the Registry pays

How much of a paycheck can be taken.

Up to half of take-home pay, or sixty percent, and five points more when the support is more than twelve weeks late.

Fifty percent of disposable earnings if the paying parent is supporting another spouse or child, sixty percent if not, rising to fifty-five or sixty-five percent for support more than twelve weeks overdue. Support withholding comes ahead of any other garnishment or lien. Earnings include pensions, workers’ compensation and severance, not only wages. For a parent who is self-employed or paid in cash, wage withholding reaches nothing, which is what the bond, the lien and contempt are for.

Where to start.

If the order already has wage withholding and your ex has a regular employer, the money is usually a phone call away: the county serves the employer. If your ex is self-employed, moves between jobs or owns property, the Entry of Support Judgment and a lien matter more than anything the county does, and that is where a lawyer earns the fee. Most parents end up using both, and the two can run at the same time.

The Family Support Registry: the state’s payment office.

Every parent with a Colorado support order has heard of it, and most are not sure what it does. It does two things, and it does not do a third.

What it is.

One central office, run by the state’s Division of Child Support Services, that receives every child support and maintenance payment, sends it on to the parent who is owed, and keeps the official record. The paying parent, or the employer, pays the Registry by check, online, by card or by withholding; the Registry pays the receiving parent by direct deposit or onto a payment card, usually within a couple of days. Both parents can see the account online, and the Registry will print a certified payment history on request.

Do all cases go through it?

Most do. If the county child support office is involved in your case, always. If it is not, the Registry is used whenever the court orders payment through it or the support is collected by wage withholding, and Colorado orders wage withholding in every case unless both parents agree in writing to a different arrangement and the court approves it. So a private order between two parents who agree to pay each other directly can skip it; nearly everyone else is in it. The account is set up automatically when the order is entered, and each parent gets a notice in the mail with the account number.

What it does not do.

It does not collect. If a parent stops paying, the Registry records a zero; it does not call anyone, suspend anything or file anything. It does not decide what is owed or calculate interest. For collection you go to the county child support office or a lawyer. What the Registry gives you is the proof: its record is presumed correct in court, it is the exhibit at a contempt hearing, and it is what the Entry of Support Judgment is built from.

Pay through it

Why it protects the parent who pays.

  • Every payment is recorded and credited automatically
  • A payment made outside the Registry has to be proved with a cancelled check or a bank record, and cash rarely is
  • Direct payments can get a county case closed
Receive through it

Why it protects the parent who is owed.

  • The record is the proof; no arguments about what was paid
  • The county’s enforcement tools run off the Registry ledger
  • Registry customer service: 303-299-9123 or 1-800-374-6558, weekdays 8 to 5

The county child support office: Child Support Services.

The collector. Every Colorado county has one, through its human services department, and it will work for any parent who applies, not only families on public assistance.

What it will do

Calculate, collect, enforce.

  • Set the support amount under the state guidelines, and establish paternity first if that is needed
  • Review the amount every three years on request, or sooner when income changes, and ask the court to change it
  • Find the other parent, the employer and the bank, including in other states
  • Serve the wage withholding on the employer, and re-serve it when your ex changes jobs
  • Suspend a driver’s or professional license, intercept tax refunds and lottery winnings, report to the credit bureaus, levy a bank account, hold a passport, record liens
  • Bring contempt in court when the tools above fail
  • Collect through the Registry and send the money to you
What it will not do

Where a lawyer comes in.

  • Represent you or give you legal advice: its lawyers represent the State of Colorado, and its application says so
  • Anything about parenting time, decision-making or property
  • Compute or, in most counties, collect the interest; its ledger often shows none
  • Move at your pace: each county decides which tools to use and when, and a caseworker carries hundreds of cases
  • Open a new case once all the children are grown, which makes old arrears on adult children a job for a lawyer
A mother at the kitchen table late at night, running the numbers on her laptop with a pay stub and a calculator, her child’s bedroom door ajar
The county represents the state; the numbers are still yours to check

How to apply, and what it costs.

Apply online at the state’s child support site or at your county office; either parent can, and so can a grandparent or other caregiver raising the child. There is no application fee. If you have never received public assistance, a $35 annual fee is taken from the support once the county has collected more than $550 for you in a year. If you receive or received assistance, the county collects for the state first to repay it, then for you.

What to expect. A caseworker, a case number, and letters. The county acts on its own schedule and its own judgment about which tool to use. Tell it about any payments you receive directly, any change of address or job, and any safety concern: a parent who fears the other can ask for the address to be kept out of the file.

If you are the one who owes, the county is also the office that lifts a license suspension once you are on a payment plan, and the one that can waive its interest to settle. Ignoring its letters is how a suspension happens.

Denver-metro county offices.

CountyChild support officePhoneHours
DenverDenver Human Services, 1200 Federal Blvd., Denver 80204; also 3815 Steele St. and 4685 Peoria St.720-944-2960Mon–Fri, 8–4
Arapahoe14980 E. Alameda Dr., Garden Level, Aurora 80012; also 1690 W. Littleton Blvd., Littleton303-752-8900Mon–Fri, 8–4:30
Jefferson3500 Illinois St., Suite 1300, Golden 80401303-271-4300Mon–Thu, 7:30–5:30; closed Fridays
Douglas11045 E. Lansing Circle, First Floor, Englewood 80112303-814-7145See the county’s site
AdamsPete Mirelez Human Services Center, 11860 Pecos St., Westminster 80234720-523-2600Mon–Fri, 7:30–5; walk-ins
Broomfield100 Spader Way, Broomfield 80020720-887-2261See the county’s site
BoulderLongmont HUB, 515 Coffman St., Longmont 80501303-441-10008–4:30

From each county’s website, September 20, 2026; confirm there, or through the state’s office search, before you go. Family Support Registry: 303-299-9123 or 1-800-374-6558. DMV, for license reinstatement: 303-205-5613.

The county, a lawyer, or both.

They do different things, and the two can run at the same time. The county asks to be told when a private lawyer is hired.

Side by side.

What the county doesWhat a private lawyer does
Finds the other parent and the employerPost-judgment discovery and subpoenas
Licenses, tax refunds, passport, credit bureaus, bank leviesThe Entry of Support Judgment with interest; recorded liens; garnishment
Contempt, after screening ability to payContempt prosecuted for you
Free to apply; $35 a year on some casesA fee the court can shift to the other side
Represents the State of ColoradoRepresents you
The county alone
When it is enough.

A regular paycheck, an employer the county can find, and no interest worth fighting over. Wage withholding and the license and tax tools collect most of these cases without a lawyer.

A lawyer too
When it is worth it.

Your ex is self-employed, paid in cash or owns property; years of interest are owed; the county has had the case for a year with nothing to show; or the other side is about to sell a house, inherit or settle a claim. The Entry of Support Judgment, the lien and contempt move faster in private hands.

Neither, yet
When the first step is a phone call.

If the order already has wage withholding and your ex simply changed jobs, the county’s new-hire match usually finds the new employer within weeks. Call the caseworker before you spend money.

If you are the one behind: what stops the growth.

The arrears will not shrink on their own, and most of the instincts people follow make them bigger. Four things help.

01
File to modify now.

A change reaches only payments due after the filing date. Run the guideline first on the child support calculator; the change has to move support by ten percent. See Modifying Child Support.

02
Pay through the Registry.

A payment the Registry did not record is one you will have to prove. Cash and gifts to the children are how credits are lost.

03
Ask the court about the interest.

Since 2021 a judge can reduce or waive interest for good cause, and set a repayment schedule. Ability to pay is the question; document it.

04
Get on a payment plan.

A suspended license is reinstated once the county approves a plan; after a second suspension, only after three months of payments. The county can waive its own interest to settle.

What does not work: stopping payment because the order seems wrong, paying the children directly, relying on the other parent’s promise, filing bankruptcy, or waiting for the youngest to turn nineteen. Each leaves the judgments where they were, with interest.

What counts, and what does not: the arguments parents make.

Most defenses to back child support fail, because the money belongs to the child. A few succeed, and some reach only the interest.

The argumentDoes it reduce what is owed?The rule
“I paid her directly.”Yes, if you can prove itThe Registry record is presumed right. Cancelled checks and bank transfers count; cash, gifts and money spent on the kids usually do not.
“She waited years to collect.”No; maybe the interestWaiting can cost the parent owed the interest, never the principal.
“She told me not to worry about it.”NoOnly a court can change the order. A promise, a text or an email does not.
“The child turned nineteen.”NoThat ends future support. Everything missed before it stays owed. See When Child Support Ends.
“The child lived with me.”Yes, back to the moveSupport can be adjusted to the date the child moved in, if the motion is filed within five years.
“Social Security paid for the kids.”OftenDependent benefits on the paying parent’s record are credited, including a lump-sum back payment.
“DNA says I am not the father.”PossiblyWithin two years of the order, the court can end support and cancel what is unpaid.
“She kept the kids from me.”NoSupport and parenting time are separate. Withheld weekends have their own remedy; see parenting-time enforcement.
“I could not afford it.”NoIt is a defense to contempt and a reason to reduce interest, not to the debt. The fix is a motion to modify, filed the week things change.
“I filed bankruptcy.”NoChild support and its interest survive bankruptcy, and the withholding keeps running.

Interest and the twenty-year clock, briefly.

Two numbers a parent should know before filing anything, without the history.

A listing packet and an appraisal on a kitchen counter, a foothills house in the window
Record it before the house sells

The interest.

Ten percent a year on payments missed since July 1, 2021, which the parent owed may compound once a year or waive; payments missed before that date earned twelve percent until then. The interest belongs to the parent, not the county: the county’s ledger often shows none, because charging it is optional for the county, and a parent who wants it works it out and puts it in the Entry of Support Judgment. Since 2021 the paying parent can ask the court to reduce or waive it for good cause. A simple, conservative figure is harder to attack than an aggressive one.

An example. $800 a month ordered and none of it paid through 2024 is $9,600 in missed payments. By the end of 2026 the interest at ten percent, compounded once a year on each payment, is about $2,645, for a total of about $12,245. On a fifteen-year arrearage the interest can rival the principal, which is why delay costs the parent owed even though the principal is safe.

The twenty-year clock.

Each missed payment can be collected for twenty years from its own due date; after that the law treats it as paid. Because each payment has its own clock, a parent owed support since 2006 is losing a payment every month. Filing an Entry of Support Judgment stops that for every payment it covers and restarts the clock. File it before the oldest payment worth keeping turns twenty, before your ex sells or refinances a house, and whenever your ex comes into money.

For the lawyers, the statutes. Each payment a judgment, and no retroactive modification: C.R.S. § 14-10-122(1)(c)–(d); the verified entry: the same section and JDF 1813; the twenty years: C.R.S. § 13-52-102(2)(a); interest: C.R.S. § 14-14-106; wage withholding and the Registry: C.R.S. § 14-14-111.5 and C.R.S. § 26-13-114; the garnishment caps: C.R.S. § 13-54-104(3); the county’s duties and fee: C.R.S. § 26-13-105 and C.R.S. § 26-13-106(4); licenses, intercepts, credit reporting and levies: C.R.S. § 26-13-111 through C.R.S. § 26-13-128; contempt and the Registry record: C.R.S. § 14-14-110; the passport hold: 42 U.S.C. § 652(k); bankruptcy: 11 U.S.C. §§ 523(a)(5), 362(b)(2). The cases on waiver and delay are In re Marriage of Johnson, 2016 CO 67 and In re Marriage of Gallo, 2024 COA 86.

What I tell every parent about arrears.

Six things, in the order they come up. Not legal advice for your case; the mistakes I have watched for thirty years.

Two people reviewing a term sheet across a table
  1. Get the Registry history first.

    It is the proof, and it is free. Every number on this page starts from it.

  2. Let the county do what only the county can.

    Licenses, intercepts, passports and bank levies. Keep the judgment entry, the liens and contempt in your own hands, or a lawyer’s.

  3. Work the interest out before you claim it.

    A number the other side can pick apart invites a fight. Simple and conservative wins.

  4. Watch the twenty-year line.

    Each missed payment has its own clock. The Entry of Support Judgment stops it for everything it covers.

  5. Do not bargain away the principal by text.

    An agreement is not effective until a court enters it. If there is a deal, it goes in a stipulation the judge signs.

  6. If you owe, file the motion the week things change.

    Every month before the filing date is a judgment at the old amount, with interest, for twenty years.

Six things people get wrong.

Back child support expires when the child grows up.

Turning nineteen ends future support. Each missed payment stays a judgment for twenty years from its due date.

The Registry will collect it for me.

The Registry records and forwards payments. Collection is the county child support office, or a lawyer.

If the county does not charge interest, none is owed.

Interest is optional for the county. The parent can still claim it in an Entry of Support Judgment.

She said I did not have to pay.

An agreement is not effective until a court enters it. A promise is not a defense.

Bankruptcy will wipe it out.

Child support and its interest survive bankruptcy, and the withholding does not stop.

A judge can forgive the arrears if I explain.

Not payments already due. The court can reduce interest for good cause and set a repayment schedule.

What to bring, whichever side you are on.

The parent owed

Bring the record.

  • Every support order and modification, with the worksheets
  • The Family Support Registry payment history
  • Proof of any direct payments received
  • Each child’s birth and graduation dates, and any change in where they lived
  • What you know about the other parent’s employer, bank, real estate and business
The parent who owes

Bring the proof.

  • The same orders and the Registry history
  • Records of every payment made outside the Registry
  • Proof of any change in where the children lived
  • Social Security dependent-benefit letters, if any
  • Any notice of license suspension, tax offset or passport hold

Child support belongs to the child. The Registry record is how that becomes a number a court will enforce.

Start with a confidential conversation: tell me what is owed →

The arrears questions that fill my inbox.

What are child support arrears?

Support that a court or the county ordered and that was not paid when it was due. In Colorado every missed payment becomes a court judgment on the day it is missed, automatically, and it can be collected for twenty years. A judge cannot erase it later, the other parent cannot waive it by text message, and it does not disappear when the child grows up.

What can I do if my ex is not paying child support?

Three things, and they work together. Make sure a wage withholding (income assignment) is in place, so the employer sends the money before your ex sees it. Open a case with your county child support office, which can suspend a driver’s license, take a tax refund, report to the credit bureaus, block a passport and levy a bank account. And, through a lawyer or on your own, file an Entry of Support Judgment, which turns the total owed with interest into a lien and lets you garnish, and if it comes to that, ask the court to hold your ex in contempt.

What is the Family Support Registry?

Colorado’s central payment office for child support. The paying parent pays the Registry, the Registry pays the parent who is owed, and it keeps the official record of every payment. It is a payment processor and a record keeper, not a collector: it does not chase a parent who stops paying, and it does not calculate what is owed or the interest. Its record is what a court relies on, which is why paying through it protects both parents.

Do all child support cases go through the Registry?

Most do. If the county child support office is involved, always. If it is not, the Registry is used whenever the order says so or the support is collected by wage withholding, which Colorado orders in every case unless both parents agree in writing to a different arrangement and the court approves it. The account is set up automatically when the order is entered, and each parent gets a notice in the mail with the account number.

Will the county child support office calculate and collect my support?

Yes to both. Child Support Services, run through each county’s human services department, can establish paternity, set the support amount under the guidelines, review it for changes, find the other parent and the employer, and collect and enforce with tools no private lawyer has. Anyone can apply, online or at the county office, and there is no application fee. What it does not do is represent you, handle parenting time, or, in most counties, compute the interest.

How much does the county child support office cost?

Nothing to apply. If you have never received public assistance, a $35 annual fee is taken from the support once the county has collected more than $550 for you in a year. There are no attorney fees, because there is no attorney working for you: the county’s lawyers represent the State of Colorado.

Can a judge forgive or reduce back child support?

Not the payments already missed. Each one is a final judgment, and a change in support reaches only payments that come due after a motion to modify is filed. What a judge can do, since 2021, is reduce or waive the interest for good cause and set a repayment schedule. The two real exceptions: if the child moved in with the paying parent, support can be adjusted back to the date of the move, and a DNA test within two years of the order can end support and cancel what was unpaid.

My ex said I did not have to pay. Does that count?

No. A change in child support is not effective until a court approves it and enters it as an order. In a 2024 case a mother had emailed the father to help where he could, he paid nothing for fifteen years, and the court entered judgment for $233,025. What the other parent can give up is the interest, not the principal, because the support belongs to the child.

I paid my ex directly instead of through the Registry. Do I get credit?

Only if you can prove it. The Registry’s record is presumed correct, so the burden is on you to show cancelled checks, bank transfers or receipts. Cash, gifts to the children and money spent on the children that the order did not require are usually not credited. Paying outside the Registry can also get a county case closed.

What is the interest on back child support in Colorado?

Ten percent a year on payments missed since July 1, 2021, which the parent owed may compound once a year or waive. Older missed payments earned twelve percent until then. The court can reduce the interest for good cause. The county’s ledger often shows no interest at all, because charging it is optional for the county; the parent owed can still claim it by filing an Entry of Support Judgment with the interest worked out.

How much of a paycheck can be taken for child support?

Up to fifty percent of take-home pay if the paying parent supports another spouse or child, sixty percent if not, and five points more when the support is more than twelve weeks late. Support withholding comes ahead of every other garnishment. For a parent who is self-employed, the court can require security or a bond instead.

Does back child support go away when my child turns nineteen, or in bankruptcy?

No and no. Turning nineteen ends future support; every payment missed before that stays a judgment for twenty years, and the wage withholding keeps running until it is paid. Bankruptcy does not discharge child support or its interest, and does not stop the withholding, the license suspension or the tax refund intercept.

Keep reading

Where to go next.

The next page in this chapter, the pages that belong with it, and the blog posts on the same question.

Recent writing.

All articles from the blog →

Arrears are a ledger before they are a lawsuit. Let’s build it to the penny.

A consultation is a working session, in person in Greenwood Village or by video: we go through the orders and the Registry history together, I check or build the arrears and interest figure, and I tell you which collection tools fit, whether the county or a lawyer should run them, and what I would file. If you are the one behind, I tell you what stops the growth. Your note reaches my office directly; during business hours we call you back within the hour, run the conflicts check, and set the meeting.

The fastest thing you can do today

Talk to us about your case.

303-507-5529

One call. A real person picks up, hears you out, and tells you how we would handle what you are facing and what to do first. No phone tree, no sales pitch, no obligation. Your first conversation is with our intake paralegal, who will get you to Aaron fast.

Rather write? Send a short note and during business hours we call you back within the hour.

A person answersMonday–Friday, 9 to 5No obligation