The Colorado Fair Debt Collection Practices Act is a state law that governs the actions of debt collectors and collection agencies. It provides consumers with certain rights and restricts the practices collection agencies may use to attempt to collect debts. For example, the law prohibits collection agencies from using harassment, misleading, and unfair practices. The law prohibits unnecessary disclosure of the debt to parties not obligated to pay the debt. The law generally does not apply to creditors collecting their own debts.
The Colorado Attorney General's Office, through the Administrator of the Collection Agency Board, investigates complaints about collection agencies and takes appropriate disciplinary or legal action when a collection agency has violated the law. This office cannot give legal advice nor can we represent individual consumers in actions against collection agencies. Consumers may bring legal action against collection agencies under the Colorado Fair Debt Collection Practices Act.
General Information:
Information for Consumers:
- CAB Complaint Form Information
- Consumer Rights Information - English/Spanish
- Collection Topics
- Licensed Collection Agencies & Disciplinary History pdf
Information for Collection Agencies & Debt Collectors:
- Licensing Requirements and Application
- Colorado Law and Rules
- Advisory Opinions
- Current License Fees
- License Renewals pdf