For Colorado residents dealing with Midland Credit Management on medical debt
Step-by-step guide to filing FDCPA complaints with the CFPB, FTC, and your state attorney general. This guide applies the steps specifically to Colorado's laws and Midland Credit Management's documented collection practices for medical debt accounts. In Colorado, the statute of limitations on medical debt is 6 years and wage garnishment is limited to 25% or amount exceeding 40x federal min wage.
6 years
Colorado Statute of Limitations
$2,459
Average Medical Debt
25% or amount exceeding 40x
Garnishment Limit
Midland Credit Management has a documented record of FDCPA violations. If any of these occur during your Colorado collection dispute, document them and file immediately.
Steps customized for Colorado law, medical debt rules, and Midland Credit Management's collection patterns.
Common FDCPA violations: calling outside 8am-9pm hours, using profane language, threatening arrest, misrepresenting the debt amount, contacting your employer after being told to stop, or continuing collection after a written dispute.
Collect: call logs with dates and times, voicemail recordings, letters received, certified mail tracking numbers and green cards, and any written communication. The more documentation, the stronger your complaint.
Go to consumerfinance.gov/complaint. Choose 'Debt collection' as the category. Be specific about dates and violations. CFPB forwards complaints to the collector who must respond within 15 days. Collectors take CFPB complaints seriously.
Many states have their own debt collection laws with additional protections. Your state AG can take enforcement action. File at your state's AG consumer protection division website.
FDCPA allows you to sue in federal court within one year of the violation for $1,000 per violation plus actual damages plus attorney fees. Many consumer rights attorneys take these on contingency — you pay nothing upfront.
These strategies apply to medical debt specifically. 80% of medical bills contain errors. The No Surprises Act protects against out-of-network surprise bills. Medical debt can't appear on credit reports for 365 days.
Colorado Fair Debt Collection Practices Act governs debt collection in Colorado in addition to the federal FDCPA. To file a complaint: AG Consumer Protection.
Key Colorado Protections:
In Colorado, wage garnishment is capped at 25% or amount exceeding 40x federal min wage. The following income is protected: Social Security, Workers' comp, Unemployment, Pension. Midland Credit Management must first obtain a court judgment through proper legal process before any garnishment order can be issued.
The SOL for medical debt in Colorado is 6 years. Once expired, Midland Credit Management cannot win a court judgment even if the debt is real. You must raise the SOL as an affirmative defense in your Answer if sued — never ignore a lawsuit.
Colorado Fair Debt Collection Practices Act applies in Colorado alongside the federal FDCPA. Complaints can be filed with AG Consumer Protection. State FDCPA applies to original creditors
Send a certified validation letter within 30 days of first contact. Demand the original creditor name and full chain of assignment. Midland Credit Management must stop all collection activity until they validate. If they fail to validate, file complaints with the CFPB and AG Consumer Protection.
Generate legally precise dispute letters, cease-and-desist demands, and validation requests built for Colorado's specific laws and Midland Credit Management's documented tactics. Starting at $9.99/month — cancel anytime.