CO Medical Debt

Colorado Medical Debt Laws

Everything you need to know about medical debt in Colorado: SOL is 6 years, garnishment capped at 25% or amount exceeding 40x federal min wage, and 2 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% or amount exceeding 40x fe

Garnishment cap

How to Dispute Medical Debt in Colorado

Request itemized bill with CPT codes

Check for No Surprises Act violations

Apply for hospital financial assistance

Dispute errors line by line

Negotiate — hospitals accept 40-60% routinely

Colorado State Law

Colorado Fair Debt Collection Practices Act

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Colorado Consumer Protections

State FDCPA applies to original creditors

Treble damages for violations

Medical Debt Tips for Colorado Residents

ALWAYS get an itemized bill before paying

Nonprofit hospitals must offer financial assistance

Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Colorado

DebtShield generates AI dispute letters that cite Colorado law (Colorado Fair Debt Collection Practices Act) and federal FDCPA protections.

Generate Colorado Medical Debt Dispute Letter