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Collection Agency Regulation: Consumers / Creditor Clients

Collection Agency Regulation (CAR) licenses collection agencies engaging in consumer debt collection in the State of Colorado and enforces the Colorado Fair Debt Collection Practices Act (CFDCPA).

File a Complaint

We will review your complaint to determine if our office has the statutory authority to proceed. If we have jurisdiction, we may send a copy of your complaint to the company for its response. You will receive a copy of the company's response unless it is kept for additional investigation.
If we do not have jurisdiction over the matter, we will refer your complaint to the proper authority. We will notify you if we are unable to assist you.
We are prohibited by law from giving legal advice. To preserve any legal rights you may have, you may wish to consult a private attorney about your legal options under the law.
You may wish to review the list of Colorado and national Referral Agencies that may be of assistance.
If you'd prefer a hard copy of the complaint form, please click here.

Clients of Collection Agencies

Collection agencies licensed in Colorado, excluding debt buyers, must file a surety bond or assign a cash deposit with this office. The amount of the bond varies depending on the average annual amount collected by the agency. The bond protects clients who placed debts with the collection agency but did not receive remittances of money collected.

If you are a creditor client of a collection agency and have not received remittances owed to you, please complete the below form.

Surety Bond Claim Form


Consumer Complaint Form


Licensed Collection Agencies & Disciplinary History

Laws & Rules

Contact Us

Colorado Department of Law
Consumer Protection Section, CAR
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 6th Floor
Denver, CO  80203

Consumer Complaints: (720) 508-6022
Licensing: (720) 508-6020
Fax: (720) 508-6033