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The Colorado Fair Debt Collection Practices Act Helps Colorado Residents:

Debt collectors are prohibited by Colorado law from all of the following conduct:

  • Disclosing information about a consumer’s debt to anyone other than the consumer
  • Communicating directly with a consumer when the debt collector knows the consumer is represented by an attorney
  • Communicating with a consumer at his or her place of employment if the debt collector has reason to know the consumer’s employer prohibits such communications at work
  • Communicating with a consumer after having been notified in writing to “cease and desist” from further communication with the consumer
  • Conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt
  • The use of obscene, profane or abusive language
  • Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass
  • Using any false, deceptive, or misleading representation or means in connection with the collection of any debt
  • Falsely representing the character, amount, or legal status of any debt
  • Falsely representing that any individual is an attorney or that any communication is from an attorney
  • Threatening to take any action that cannot legally be taken or that is not intended to be taken
  • Communicating or threatening to communicate credit information about the consumer which is known or which should be known to be false
  • Failing to disclose that a communication is from a debt collector or collection agency
  • Using any unfair or unconscionable means to collect or attempt to collect any debt
  • Failing to send a specific written legal notice to a consumer, notifying the consumer of his or her right to dispute a debt and request verification of a debt
  • Bringing legal action against a consumer in a judicial district other than where the consumer resides or where the consumer signed the contract sued upon

As a consumer you can recover actual damages suffered, plus a penalty of up to $1000 and attorneys fees, if the debt collector has violated any of these terms.

The laws described on this page are set forth in full in the Colorado Revised Statues, Title 12, Article 14, Sections 101-137.

Have you been contacted by a debt collector?
Call us at (877) 846-1209 for a free case review!

In addition to rules covering the actions of creditors and collection agencies under your state’s laws, the Fair Debt Collection Practices Act (FDCPA) provides rules protecting consumers from illegal actions of debt collectors, and it applies equally in every state. This means that even if your state laws cannot help you, the FDCPA applies in many more situations.

In fact, certain sections of the laws listed in the available download may have been redacted for brevity.

If you want to find out more about how these laws pertain to your specific situation, please call us at (877) 846-1209 for a free case review with an experienced consumer law attorney. If you prefer, fill out our free case review form and we will contact you.