Are there any laws that protect me from debt collectors?

Yes, there are laws that protect you from debt collectors in Colorado. The Colorado Fair Debt Collection Practices Act (CFDCPA) prohibits debt collectors from using deceptive, abusive, or unfair practices when collecting a debt from you. Under the CFDCPA, debt collectors must treat you with respect and cannot harass or threaten you. For example, debt collectors are prohibited from using profane language, calling you repeatedly, or calling you before 8 am or after 9 pm. If debt collectors contact you by mail, they cannot send postcards or envelopes that reveal information about your debt. They also cannot contact your family, friends, or employers about your debt. The CFDCPA also protects you from certain debt collection methods. Debt collectors cannot garnish your wages, repossess your property, freeze your bank account, or add additional fees to your debt unless the court has authorized them to do so. If you believe a debt collector has violated the CFDCPA, you may have a claim against them. You can file a complaint with the Colorado Attorney General’s Office or contact a consumer protection attorney. It is important to remember that even if the debt collector has violated the law, you are still responsible for the debt itself.

Related FAQs

Can a debt collector threaten to sue me if I don’t pay my debt?
Can a debt collector contact me about a debt that I’ve already paid?
Can a debt collector ever contact my friends, family, or employer?
What can I do if a debt collector refuses to provide me with proof that I owe a debt?
Can a debt collector ever put a lien on my property?
Can a debt collector contact me if I have an attorney representing me?
Can a debt collector ever increase the amount of a debt?
What happens if I make a payment to the wrong debt collector?
Can I stop a debt collector from contacting me?
Can a debt collector list my debt on my credit report?

Are there any laws that protect me from debt collectors?

Related FAQs

Related Blog Posts