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  • Consumer Fraud Complaints

    Debt Collection Complaints

    Debt collection agencies must follow rules set by the Federal Trade Commission that pertain to fair debt collection:

    • A debt collector may contact you by mail, telephone, telegram or fax. You may not be contacted at inconvenient times (e.g., before 8 a.m. or after 9 p.m.), unless you agree. If you instruct them, debt collectors cannot contact you at work.
    • You can stop a debt collector from contacting you by sending a letter, telling the collector to cease all contact. Once the letter is received, the collector must stop contacting you, unless the collector intends to take a specific form of action to collect the debt (i.e., sue).
    • A debt collector may not disclose to anyone, other than your attorney, that you owe money. The debt collector may only contact other people to determine where you live, obtain a telephone number or to find out where you work.
    • Within five days after your first contact, the debt collector must send you a written letter indicating that you owe money, the amount you owe, the name of the creditor to whom you owe the money and what action the debtor will take if you do not repay the debt.
    • A debt collector may not use threats, publish a list of debtors, use obscene or foul language, repeatedly call a debtor for the sole purpose of annoying that person, make false statements or engage in unfair practices.
    • If a debt collector violates the law, you have the right to sue the collector within one year of the violation. You may also report the violation to the Attorney General's UCCC Department and the Federal Trade Commission.


    Attorney General's Office View exit disclaimer policy page for links to third-party websites.
    1525 Sherman Street, 5th Floor
    Denver, CO 80203


    To obtain brochures from the Federal Trade Commission, View exit disclaimer policy page for links to third-party websites. call 1-877-382-4357.

    Last Updated: 7-23-2013
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    A defendant is presumed innocent until and unless proven guilty. See Colo. RPC 3.6.