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DebtShield

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CO Debt Laws

Colorado Debt Collection Laws

Know your rights in Colorado. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

6 years

Credit card SOL

6 years

Written contract SOL

25% or amount exceeding 40x fe

Garnishment limit

Colorado Collection Law

Colorado Fair Debt Collection Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Colorado

Social Security
Workers' comp
Unemployment
Pension

Key Colorado Protections

State FDCPA applies to original creditors
Treble damages for violations

Federal Laws (Apply in Colorado)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Colorado Debt Dispute Letter

DebtShield auto-cites Colorado laws + FDCPA