Wyoming Debt Collection Laws: Time Limits, Garnishment and Your Rights
Wyoming debt rules: statute of limitations, wage garnishment limits, protected bank and home exemptions, judgments, collector rules and how to answer a debt lawsuit.
Quick answers for Wyoming
- Time limit to sue on a written contract
- 10 years for an action on a specialty or any contract, agreement or promise in writing. Wyo. Stat. 1-3-105(a)(i)
- Wage garnishment limit
- Follows the federal limit: the lesser of 25% of weekly disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum hourly wage. Wyo. Stat. 1-15-511(a)
Last verified: 2026-10-26
Time limits
| Time limit to sue on a written contract | 10 years for an action on a specialty or any contract, agreement or promise in writing. Text read in the Legislature's compiled Title 1 PDF. Source: Wyo. Stat. 1-3-105(a)(i) |
|---|---|
| Time limit for credit cards and open accounts | 8 years for a contract not in writing, express or implied (including oral agreements). Source: Wyo. Stat. 1-3-105(a)(ii) |
| Can a payment restart the clock? | Yes. When a payment is made on a contract debt, or the debtor signs a written acknowledgment or promise to pay, the time to sue runs again from the date of that payment, acknowledgment or promise. Source: Wyo. Stat. 1-3-119 |
| How long a judgment lasts | A judgment becomes dormant (and stops being a lien) if no execution is issued within 5 years after the judgment, or if 5 years pass between executions. A dormant judgment can be revived by court order on motion. Source: Wyo. Stat. 1-17-307; 1-16-502 |
Garnishment and what creditors can't take
| Wage garnishment limit | Follows the federal limit: the lesser of 25% of weekly disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum hourly wage. Source: Wyo. Stat. 1-15-511(a) |
|---|---|
| Homestead exemption | $100,000 in value for a homestead occupied by the owner or the owner's family (a house and land, or a mobile home). When two or more people jointly own and live in the home, each is entitled to the exemption. |
| Vehicle exemption | Up to $5,000 of value in a motor vehicle. Amount as shown in the Legislature's compiled Title 1 PDF read on 2026-10-25. Source: Wyo. Stat. 1-20-106(a)(iv) |
| Bankruptcy exemptions | Wyoming has opted out of the federal bankruptcy exemptions for debtors domiciled in Wyoming for the 180 days before filing; those debtors use Wyoming exemptions. Source: Wyo. Stat. 1-20-109 |
Debt collectors and interest
| Debt collector licensing | Yes. A person may not run a collection agency or act as a debt collector or solicitor in Wyoming without a license under the Collection Agency Act (overseen by the Collection Agency Board); employees of a licensed agency do not need individual licenses. |
|---|---|
| Interest rate limits | Judgments bear 10% interest per year from the date of judgment until paid, unless the judgment is based on a contract in which the parties agreed to a specific rate, in which case that rate applies. Source: Wyo. Stat. 1-16-102(a)-(b) |
Where to get help in Wyoming
Debt & Collections FAQ
What is the statute of limitations on debt in Wyoming?
10 years for an action on a specialty or any contract, agreement or promise in writing.
How long can a creditor sue on a credit card debt in Wyoming?
8 years for a contract not in writing, express or implied (including oral agreements).
Does making a payment restart the statute of limitations in Wyoming?
Yes. When a payment is made on a contract debt, or the debtor signs a written acknowledgment or promise to pay, the time to sue runs again from the date of that payment, acknowledgment or promise.
How long does a court judgment last in Wyoming?
A judgment becomes dormant (and stops being a lien) if no execution is issued within 5 years after the judgment, or if 5 years pass between executions. A dormant judgment can be revived by court order on motion.
How much of my wages can be garnished in Wyoming?
Follows the federal limit: the lesser of 25% of weekly disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum hourly wage.
What is the homestead exemption in Wyoming?
$100,000 in value for a homestead occupied by the owner or the owner's family (a house and land, or a mobile home). When two or more people jointly own and live in the home, each is entitled to the exemption.
Can a creditor take my car in Wyoming?
Up to $5,000 of value in a motor vehicle.
Do debt collectors need a license in Wyoming?
Yes. A person may not run a collection agency or act as a debt collector or solicitor in Wyoming without a license under the Collection Agency Act (overseen by the Collection Agency Board); employees of a licensed agency do not need individual licenses.
What is the maximum legal interest rate in Wyoming?
Judgments bear 10% interest per year from the date of judgment until paid, unless the judgment is based on a contract in which the parties agreed to a specific rate, in which case that rate applies.
Which bankruptcy exemptions can I use in Wyoming?
Wyoming has opted out of the federal bankruptcy exemptions for debtors domiciled in Wyoming for the 180 days before filing; those debtors use Wyoming exemptions.
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General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.