A man on the phone in an office hallway, holding a file

Ending or reducing maintenance you already pay.

An order is not forever. It ends on remarriage by statute, it can be changed on a substantial and continuing change, and it reaches back only to the day you file. What the decree allows, what the court needs to see, and what I do first.

  1. →Is your order modifiable?
  2. 01Your ex remarried
  3. 02Your ex lives with someone
  4. 03You are retiring
  5. 04Your income fell
  6. 05Business or bonus income changed
  7. 06Your ex earns more, or could
  8. →How a modification works
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Run the number the court would set today.

A modification is measured against the guideline as it applies now: today’s incomes, the same marriage length, the same term chart. Run it before you file, and again with the income your former spouse could earn.

Open the maintenance calculator →

The first question is never “can I stop paying.” It is “what does the decree say.” Everything else follows from that page.

Most payors call me with a fact, not a document. The ex remarried. The ex has a boyfriend paying the mortgage. The job is gone, the bonus is half, the retirement date is set. The fact matters, but the decree and the separation agreement decide what the fact is worth. Colorado lets parties make maintenance contractual and non-modifiable, and courts hold people to it. Colorado also ends maintenance on remarriage by statute, unless the agreement says otherwise. Two payors with the same fact can have opposite answers.

So I read the order before I give an opinion. Then I look at the change, whether it is substantial and continuing, and whether the proof exists. Then the motion goes in, because a modification reaches only the payments that come due after it is filed. Every month spent deciding is a month paid at the old number.

A stack of decree pages and a calculator on a desk
Read the decree first

Relief starts on the filing date.

A modification reaches only the installments that come due after the motion is filed. The months before it are gone.

Remarriage ends it, by statute.

Maintenance ends on the recipient’s remarriage or civil union unless you agreed otherwise in writing or the decree says otherwise.

Retire at full age and the law is with you.

Retire after reaching full retirement age and the law presumes the retirement is in good faith. Retire early and the burden of proving it is yours.

Is your order modifiable?

Colorado lets a decree expressly preclude or limit modification of its terms when the separation agreement so provides (C.R.S. § 14-10-112(6)). Agreements say it in different words: “contractual and non-modifiable,” “not subject to modification,” “the parties waive the right to seek modification.” When the language is there, the amount and the term are usually locked, and a motion to modify is money spent on a closed door.

When it is not there, the statutory standard applies: the court can modify maintenance on a showing of changed circumstances so substantial and continuing that the existing terms are unfair (C.R.S. § 14-10-122(1)(a)). Termination is a separate question. Unless the agreement or the decree says otherwise, maintenance ends on the death of either party, on the recipient’s remarriage or civil union, or at the end of the term (C.R.S. § 14-10-122(2)(a)). Many agreements keep the amount non-modifiable but leave the termination events in place, so the fact that a number cannot be changed does not always mean it cannot end.

That is why I read four documents before I answer: the decree, the separation agreement, the court’s findings or the worksheet the number came from, and any later stipulation or order. Ten minutes with the right paragraph saves a payor from filing a motion that cannot be won, or from paying for a year that could have ended.

Signs the order can change

What I look for.

  • No “non-modifiable” or “contractual” language in the agreement
  • A stated term with no words limiting termination
  • The number was set by the court, not by a negotiated trade for property
  • The change is real, documented and not going away
  • The change happened after the order, not before it
  • You have paid on time, so the court hears a payor with clean hands
Signs it may be locked

What closes the door.

  • “Contractual and non-modifiable” on the amount and the term
  • A waiver of the right to seek modification
  • A lump-sum or property trade in place of monthly maintenance
  • A voluntary change: you quit, retired early without a plan, or moved money
  • A change that was foreseeable when the order was entered
Before the first meeting

Bring the order and the money.

  • The decree, the separation agreement and any later orders or stipulations
  • The court’s findings or the maintenance worksheet the number came from
  • Your last three years of tax returns and current pay stubs, K-1s or 1099s
  • Proof of the change: termination letter, retirement paperwork, medical records, bonus history, business financials
  • What you know about your ex: employment, new household, remarriage, public records
  • Your payment history, so the court sees an order that has been honored
Before you file anything

Six things settled first.

  • Whether the agreement limits modification, and how
  • Whether the change is substantial, continuing and not of your own making
  • What your ex’s income and needs look like now, on evidence
  • Whether a termination event has already occurred
  • The after-tax cost of every month the motion waits
  • Whether an agreed modification beats a hearing

What can change an existing order.

Each one is a different motion, with different proof. None of them changes the order by itself; the court does, and only after you file.

01
Two wedding rings resting on an agreement
Trigger one · Remarriage

Your ex remarried.

Unless you agreed otherwise in writing or the decree says otherwise, maintenance ends on the recipient’s remarriage or civil union (C.R.S. § 14-10-122(2)(a)). It is the one trigger that works by statute rather than by motion. The trap is procedure: if payments run through a wage assignment, or the agreement has its own termination language, stopping on your own can leave you with a judgment for months you thought were over.

What I do
  • Confirm the marriage or civil union in the public record
  • Read the agreement for any language that keeps maintenance alive past remarriage
  • Get the termination confirmed, and any wage assignment released, before the next payment
02
A household budget laid out in notes on a desk
Trigger two · Cohabitation

Your ex lives with someone.

Cohabitation is not remarriage, and Colorado does not end maintenance because a new partner moved in. What it can do is change the numbers. When someone else pays the mortgage, the car, the groceries, your ex’s need is not what it was when the order was entered, and that can be the substantial and continuing change the statute requires (C.R.S. § 14-10-122(1)(a)). The case is built on money, not on who is sleeping where.

What I do
  • Document the household: who lives there, since when, who pays what
  • Discovery on the shared expenses, the joint accounts and the lease or deed
  • File the month the facts are confirmed, because nothing before filing comes back
03
A couple near retirement age reviewing a term sheet with a lawyer
Trigger three · Retirement

You are retiring.

Retirement does not end maintenance by itself, but it is the most common reason a long-term order gets changed. If you retire after reaching full retirement age for Social Security, the law presumes the retirement is in good faith, and the question becomes what you can pay on retirement income. Retire early and you carry the burden of showing the decision was reasonable and not a way to reduce the number. Timing the motion to the retirement date, with the income change documented, is most of the case.

What I do
  • Model the retirement income before you give notice, not after
  • File so the motion is pending when the paycheck stops
  • Address the pension or 401(k) already divided in the decree, so it is not counted twice
04
A manager with a tablet on a warehouse floor
Trigger four · Income down

Your income fell.

A layoff, a pay cut, a demotion, a disability: a real and lasting drop in your income is the classic changed circumstance. Two things decide it. Whether the change was involuntary, because a court can count what you could earn if you chose to earn less, and whether it is continuing, because a bad quarter is not a modification. The order stays in force while you look for work, so the motion has to be on file, and the search has to be documented.

What I do
  • Prove the cause: termination letter, severance terms, medical evidence, the market for your work
  • Document the job search the way I would attack a spouse’s: applications, recruiters, offers
  • Ask for a modification from the filing date and, where the facts support it, a step-down or a suspension
05
Two business owners going through a K-1 and a profit and loss statement
Trigger five · Variable income

Business or bonus income changed.

Owners, partners and executives were often ordered to pay on a peak year. When the bonus is halved, the practice loses a contract, the K-1 shows retained earnings the business needs, the order can be out of line with reality for years before anyone acts. The fight is about what income really is: normalized, not the best year, and not double-counted between the business and the household.

What I do
  • Three to five years of business and personal returns, so the trend is the evidence, not one bad year
  • A forensic read of retained earnings, distributions and reasonable compensation
  • Where the numbers move every year, a base-plus-percentage structure that ends the annual fight
06
A deposition in progress, exhibits on the table
Trigger six · The other side

Your ex earns more, or could.

The order was set on your ex’s need and inability to be self-supporting. When a new job, a promotion, an inheritance or a finished degree changes that, the premise of the order changes with it. And when your ex could be earning but is not, the potential-income rule applies to a modification the same way it applied at the decree: a court can count what a voluntarily unemployed or underemployed person could earn.

What I do
  • Discovery: pay stubs, offer letters, tax returns, LinkedIn, licenses reactivated
  • A vocational evaluation when the issue is capacity rather than actual income
  • A motion built on the gap between the need the court found and the need that exists now

How a modification works.

Five steps. The second one is where most payors go wrong, by filing on a change the court will not count, or by waiting on one it would.

A video consultation on a desktop screen
01
Read the order

Decree, separation agreement, findings, later stipulations. Modifiable or not, and what ends it.

Two people going through boxes of financial records
02
Test the change

Substantial, continuing, not of your making, not foreseeable when the order was entered.

A lawyer handing a bound report across a table
03
File the motion

The month the facts are confirmed. Relief runs from filing, and an updated financial statement goes with it.

A lawyer conferring with her client at counsel table before the case is called
04
Build the record

Discovery on both households, experts where capacity or business income is the issue, a hearing if it does not settle.

Two men at a conference table with the Colorado statute between them
05
Change the order

By agreement or by ruling: a lower number, a shorter term, a step-down, a suspension, or termination.

The security that goes with maintenance changes too. An order to carry life insurance for the balance can be modified or ended along with the maintenance it secures (C.R.S. § 14-10-114(6)(c)). And the order you already have keeps running while the motion is pending: pay it, because each missed installment becomes a judgment on the day it is due (C.R.S. § 14-10-122(1)(c)).

The order does not change because your life did. It changes because you filed, and proved it.

If you are paying under an order that no longer fits the facts, send me the decree and the facts →

What I tell every payor who wants out.

Five things. Most of them are about timing and credibility, not law.

Across a conference table from her lawyer, a woman listens, a closed folder in front of her, the foothills in the window
  1. Never stop paying on your own.

    Judgments, interest, wage assignment and contempt follow, and a payor in arrears has no credibility on need. Change the order through the court.

  2. File the month it happens.

    Relief runs from the filing date. The most expensive mistake I see is a payor who waited a year to be sure.

  3. Do not engineer the change.

    Quit, retire early without a plan, park income in the company, and the court can count what you could earn. Real changes win; manufactured ones lose.

  4. Your financial statement is testimony.

    An updated sworn statement goes in with the motion. Make it precise, because the other side will compare it to the last one line by line.

  5. An agreed modification is often the best outcome.

    A signed stipulation with a new number, a step-down or an end date costs less than a hearing and holds up better than a ruling either side resents.

Five things payors get wrong.

Living together ends it.

Remarriage or a civil union ends maintenance by statute. Cohabitation does not. It supports a modification when the new household changes your ex’s finances.

I can stop once I retire.

Retirement is a reason to modify, not an automatic end. File around the retirement date; at full retirement age the law presumes good faith.

The court will backdate it.

A modification reaches only installments that come due after the motion is filed. The months you waited are paid at the old number.

A non-modifiable agreement can’t end.

Amount and term may be locked, but termination events are often written separately, and remarriage may still end it. The words decide.

A bad year is enough.

The change has to be substantial and continuing. One down quarter is not a modification; a three-year trend is.

Their new job is their business.

The order was set on their need. A new income changes the premise, and the court can hear it. Discovery gets the numbers.

The standard in the statute · Termination events and how agreements change them · Three situations I see · Suspension, step-downs and agreed modifications

The standard in the statute.

A decree’s maintenance provisions may be modified only as to installments accruing after the motion for modification, and only on a showing of changed circumstances so substantial and continuing as to make the terms unfair (C.R.S. § 14-10-122(1)(a)). Two ideas do the work. “Substantial and continuing” keeps ordinary fluctuations out of court. “Installments accruing after the motion” makes the filing date the most important date in the case.

The court that hears the motion is looking at the same things it looked at when it set the number: the recipient’s need and ability to be self-supporting, the payor’s ability to pay, and the balance between them. A change on either side can support a motion. A change the payor engineered usually cannot, because the potential-income rule lets the court count what a voluntarily unemployed or underemployed party could earn (C.R.S. § 14-10-114(8)(c)(IV)).

Termination events, and how agreements change them.

Unless otherwise agreed in writing or expressly provided in the decree, the obligation to pay future maintenance ends on the death of either party or on the remarriage of, or the establishment of a civil union by, the party receiving maintenance (C.R.S. § 14-10-122(2)(a)). Cohabitation is not on that list, and the Court of Appeals has held that living with a new partner is not remarriage (In re Marriage of Dwyer, 825 P.2d 1018 (Colo. App. 1991)). Agreements can add to the list, for example a cohabitation clause, or subtract from it, for example maintenance that survives remarriage as part of a property trade. Colorado enforces those choices because a decree may preclude or limit modification of its terms when the separation agreement so provides (C.R.S. § 14-10-112(6)).

Three situations I see.

Illustrations, not case results. Every case turns on its own facts and on the words of its own order.

The engagement that never becomes a wedding. An ex has lived with a partner for three years; the partner pays the mortgage on a house titled in the partner’s name. There is no remarriage and no cohabitation clause. The case is a modification built on need: the recipient’s housing cost is now zero, and the order was set when it was $3,400 a month.

The surgeon who cut back. A payor ordered on $900,000 a year moves to a three-day schedule at 62. The change is voluntary and below full retirement age, so the burden is his. The record is medical, the practice’s call schedule, and a vocational picture of what a surgeon his age can sustain. The motion asks for a step-down that tracks the reduced schedule, not a termination.

The contractual number. A separation agreement says maintenance of $6,000 a month for eight years is contractual and non-modifiable, and says nothing about remarriage. The ex remarries in year three. The amount was locked, but the agreement did not displace the statute’s termination on remarriage, and the motion is to confirm termination, not to modify.

Suspension, step-downs and agreed modifications.

A motion does not have to ask for zero. A temporary suspension during unemployment, a step-down that tracks a retirement schedule, a shorter remaining term in exchange for a lump sum, or a base-plus-percentage structure for variable income can each fit the facts better than an all-or-nothing hearing. Most of the modifications I handle end in a signed stipulation, because a payor with a documented change and a reasonable proposal is hard to say no to, and a hearing costs both sides more than the difference.

Run the numbers

What payors ask first.

My ex remarried. Can I stop paying?

By statute, maintenance ends on the recipient’s remarriage or civil union unless you agreed otherwise in writing or the decree says otherwise. Read the decree first. If payments run through a wage assignment or the language is unusual, get the termination confirmed before you stop, because a payment that turns out to be owed becomes a judgment the day it was due.

My ex is living with someone. Does maintenance end?

Not by itself. Colorado treats cohabitation differently from remarriage: living with a new partner does not terminate maintenance. But when the new household changes your ex’s finances, with someone else paying the mortgage or sharing the bills, that can be a substantial and continuing change that supports a motion to modify.

I lost my job. Can I stop paying until I find one?

No. The order stays in force until a court changes it, and unpaid installments become judgments. File a motion to modify as soon as the change is real, because a modification reaches only the payments that come due after the motion is filed. Whether the loss was involuntary, and what you can earn now, decide the outcome.

The agreement says maintenance is contractual and non-modifiable. Am I stuck?

Usually the door is closed on amount and term, because Colorado lets a separation agreement preclude or limit modification. But the exact words matter, termination events are often written separately, and remarriage may still end it unless the agreement says otherwise. I read the document before I give an answer.

I want to retire. When should I file?

Close to the retirement date, with the change documented. If you retire after reaching full retirement age for Social Security, the law presumes the retirement is in good faith. Retire early and you carry the burden of showing it was reasonable and not a way to reduce maintenance.

My ex got a well-paid job. Can I lower the number?

Yes, if the change is substantial and continuing. Their new income goes to need and to the balance the court struck when it set the number. Discovery gets the pay stubs, the offer letter and the tax return; the motion goes in the month the facts are confirmed.

How far back can a modification go?

Only to the payments that come due after the motion is filed. Nothing before that. That rule is the reason to file the month the change happens rather than a year later.

What happens if I just stop paying?

Each missed installment becomes a judgment on the day it was due, with interest, and it can be enforced by wage assignment, liens and contempt. It also destroys your credibility on the modification you should have filed instead. Pay the order, and change it through the court.

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.

From the blog, on this topic

All articles from the blog →

Paying under an order that no longer fits the facts? Send me the decree before you decide anything.

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The fastest thing you can do today

Talk to us about your case.

303-507-5529

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

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