The Colorado Fair Debt Collection Practices Act (CFDCPA) 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 does not apply to creditors collecting their own debts.
The Colorado Attorney General’s Office, through the Administrator of the CFDCPA, 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 CFDCPA.
For information about past meetings, Advisory Opinions and Bi-Annual Reports from the Administrator, visit the General Information webpage using the link below. A copy of the draft proposed Rules from the August 25, 2020 is also available on the General Information webpage.