Collection Agency Regulation: Consumers / Creditor Clients

The Administrator of the Colorado Fair Debt Collection Practices Act (“CFDCPA”) will host a meeting for consumer advocacy groups and associations as well as other interested parties on Thursday, January 23, 2020. View the Meeting Agenda for more information.

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).

Beware of Phantom Debt Scams

There has been an increase in debt collection scams, particularly those impersonating law enforcement or government agencies. In certain cases, the scammer may use a fake name and may have your personal identifiable information, such as the last four digits or even your full social security number. Please note that law enforcement entities and government agencies will not threaten arrest or prosecution for unpaid consumer debts and would never send an arrest warrant via email.

The CFDCPA prohibits debt collectors from making false or misleading statements as well as harassment. There is a list of Licensed Collection Agencies and Disciplinary History on the right-hand side of this webpage. Please ensure the collection agency you are dealing with is listed and if not, report the collection agency immediately by using the Consumer Complaint Form below.

For more information such as signs a phone call or email could be a scam and tips on avoiding these scams, please visit the Stop Fraud website.

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

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