Everything you need to know about utility debt in Colorado: the statute of limitations is 6 years, garnishment is capped at 25% or amount exceeding 40x federal min wage, and 2 state-specific protections apply to your case.
6 years
Statute of limitations (open/revolving accounts)
$800
Avg. utility debt in US
25% or amount exceeding 40x fe
Garnishment limit
In Colorado, utility debt falls under open/revolving accounts with a statute of limitations of 6 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Colorado law.
Credit/Open
6 years
Written
6 years
Oral
6 years
These strategies combine federal FDCPA protections with Colorado-specific laws like the Colorado Fair Debt Collection Practices Act.
In Colorado, the SOL for this debt type is 6 years — check if your debt has expired.
If a collector wins a judgment for utility debt in Colorado, garnishment is limited to: 25% or amount exceeding 40x federal min wage.
Colorado Fair Debt Collection Practices Act
File complaints: AG Consumer Protection
These Colorado-specific protections apply to your utility debt case:
All Colorado Debt Laws
SOL, garnishment, protections for all debt types
Utility Debt Dispute Guide
Strategies, laws, and tips nationwide
DebtShield generates AI dispute letters that cite Colorado law (Colorado Fair Debt Collection Practices Act) and federal FDCPA protections. Built for Colorado residents with utility debt.
Generate Colorado Utility Debt Dispute LetterAuto-cites Colorado statutes + FDCPA + State PUC regulations | From $9.99/mo