How long can a debt collector attempt to collect a debt?

In Colorado, a debt collector can attempt to collect a debt for up to 6 years. That time limit is based on the Colorado statute of limitations, which states that a debt collector must bring any legal action against a debtor within 6 years of the original date of the debt. This means that a debt collector can contact a debtor or make attempts to collect a debt for up to 6 years from the date the debt was first incurred. At the same time, it’s important to note that the statute of limitations does not erase the debt, and the debt can still be reported on a credit report for up to 7 years from the date it was incurred. This means that a debt could theoretically remain on a credit report for up to 7 years, even if the debt collector has not attempted to collect for 6 years or more. Thus, it’s important for debtors to stay aware of their rights and obligations under Colorado’s debt collection laws, even after the 6-year statute of limitations has passed. It’s also important to remember that certain states have different statutes of limitations and different regulations governing debt collection. Thus, it’s important to research the appropriate laws before attempting to collect a debt in Colorado.

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