Resource Guide | Page 2 | Attorney General - State of Colorado
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Debt Collection Credit and Debt

The Colorado Fair Debt Collection Practices Act is a state law that governs the actions of debt collectors and collection agencies. It provides consumers with certain rights and restricts the practices collection agencies may use to attempt to collect debts. For example, the law prohibits collection agencies from using harassment, misleading, and unfair practices.

The law prohibits unnecessary disclosure of the debt to parties not obligated to pay the debt. The law does not apply to creditors collecting their own debts.  The Colorado Attorney General's Office, through the Administrator of the Colorado Fair Debt Collection Practices Act, investigates complaints about collection agencies and takes appropriate disciplinary or legal action when a collection agency has violated the law.

For licensing and discipline information or for additional questions, contact the Colorado Collection Agency Regulation section within the Colorado Attorney General’s Office.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Credit Unions Credit and Debt

To learn more about general credit union general rules, regulations, and where to file a report against your credit union, you may wish to check with the following:

For mortgage and foreclosure concerns:

State Credit Unions:

National Credit Unions:

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Credit Reports Credit and Debt

A credit report is a report compiled and issued by a consumer reporting agency which lists activity that may affect your credit standing, including your creditors, the amount of your debts, your credit limits, late payments, defaults, charge-offs, repossessions and bankruptcies.

Consumers are entitled to request a free credit report every 12 months from each of the three main credit reporting companies by using

Consumers can contact one of the following consumer reporting agencies to correct inaccurate information in their credit file or to obtain other information about their credit history:

Click here for additional information on how to place a security freeze on your credit report. 

If you have a complaint against a credit reporting agency, you may file a complaint with the Consumer Financial Protection Bureau (CFPB).

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Credit Repair Credit and Debt

A credit repair agency is any person or business that, for a fee, advertises or claims they can improve your credit record or report.  Some companies charge money to correct or erase bad credit. Bad credit, if correct, cannot be legally removed from your credit report. Consumers can correct their own credit report at no cost by contacting the credit reporting agencies. See also “Credit Reports” in this Resource Guide. 

The Colorado Attorney General’s Office, through the Administrator of the Uniform Consumer Credit Code, investigates complaints about credit repair agencies and takes appropriate disciplinary or legal action when a creditor violates the law.   For licensing and discipline information or for additional questions, contact the Colorado Uniform Consumer Credit Code section within the Colorado Attorney General’s Office.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Credit Freeze Credit and Debt

Colorado consumers have the option of requesting any consumer reporting agency (credit bureau) to place a security freeze on your credit report. You will be able to place a security freeze on your credit reports by making a request in writing by certified mail to each consumer reporting agency you want to place a security freeze on your file. Once a security freeze is in place, the consumer reporting agency will not be able to release your credit report, or any information contained in that report, without your prior express authorization.

A consumer reporting agency must place a security freeze on your credit report within 5 business days after receiving your written request and must send you written confirmation of the security freeze within ten business days. They must provide you with a unique personal identification number or password for you to use in providing later authorization for the release of information from your credit report.

To view information on requesting a security freeze from the three largest consumer reporting agencies, visit the following web sites:

If you want potential creditors to be able to access information on your credit report, you must request that the freeze be temporarily lifted and provide the following information:

  • Proper identification
  • The unique personal identification number and password provided by the consumer reporting agency
  • The proper information regarding the third party who is to receive the credit report or the time period that the report shall be available.

The consumer reporting agency must remove a security freeze within three business days of receiving a request for removal from you for a fee not to exceed $12.00.  Remember, your failure to timely or correctly request a temporary or permanent removal of a security freeze on your account may result in the loss or denial of credit.

Note: A security freeze placed on a consumer’s credit report will not block all access to that report, or to the information contained in that report, such as current or prospective assignee of a financial obligation and from a state or local agency, law enforcement, the courts, private collection agency, or persons acting pursuant to a court order, warrant, or subpoena authorizing the use of the credit report. 

For additional information, see also the “Creditor Fraud Center” within this site.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

 

Credit Cards Credit and Debt

Credit Cards have been quickly gaining in popularity and overall usage over the years.  If a credit card is issued by a Colorado company, bank, or credit union, those cards must comply with the Colorado Uniform Consumer Credit Code.  For additional information, contact the Colorado Uniform Consumer Credit Code section within the Colorado Attorney General’s Office.  

Although Colorado businesses must conform to the Colorado rules, most credit cards are issued by national institutions located in other states.  For additional information regarding nationally issued bank cards, contact the Office of the Comptroller of the Currency. 

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Credit Card Surcharges Credit and Debt

Under Colorado law, it is illegal for any merchant to impose a surcharge on a purchaser or lessee who elects to use a credit or charge card in lieu of payment by cash, check, or similar means.  A surcharge is any additional amount imposed at the time of the sales or lease transaction by the merchant, seller, or lessor that increases the charge to the purchaser or lessee for the privilege of using a credit or charge card and includes those cards pursuant to which unpaid balances are payable on demand. 

This prohibition does NOT apply to convenience fees charged by a state or local government entity which accepts payment by credit or charge card and does NOT apply to debit cards. 

A discount offered by a seller or lessor for the purpose of inducing payment by cash, check, or other means not involving the use of a seller or lender credit card does NOT constitute a finance charge if such discount is offered to all prospective purchasers and its availability is disclosed to all prospective purchasers clearly and conspicuously.

For additional questions, contact the Colorado Uniform Consumer Credit Code section within the Colorado Attorney General’s Office.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Contract Cancellation - Right to Cancel or Right to Rescind Common Topics

One of the most misunderstood rights under Colorado consumer protection statutes is the right to cancel a consumer contract. In general, there is no right to cancel a consumer contract or purchase, especially regarding new and used automobile purchases. However, there are some exceptions:

In Colorado, you have the right to rescind a transaction under several circumstances:

1 Day

  • On membership buyer club contracts, even if you sign up at the business.
  • Donation of goods such as furniture, clothing, toys, etc. have a one-day cancellation period.

3 Days

  • This is the usual time period, granted by the Federal Trade Commission (FTC) rules, for door-to-door sales involving a transaction of $25.00 or more. You must be given written notice of the right to cancel. Those seeking details and exceptions to this general rule should contact the FTC
  • You also have three days to cancel on any home solicitation sale, which is a consumer credit sale (not involving a credit card). A consumer credit sale means, in general, a sale of goods, services, a mobile home, or an interest in land in which credit is granted or arranged, and such items are purchased primarily for a personal, family, or household purpose under the Uniform Consumer Credit Code.
  • A consumer has a right to rescind mortgage loans three days after closing on the loans, pursuant to the Uniform Consumer Credit Code and the Federal Truth in Lending Act
  • Health club contracts may be canceled in three days after the receipt by the buyer of a copy of the contract..  
  • Pledges of cash or purchases made to benefit a non-profit organization may be rescinded within three business days of receiving written confirmation of the contribution from the charity.  
  • Commercial telephone sellers must allow a purchaser in any telephone sales transaction to cancel any purchase or agreement to purchase goods, services or property within three days after the purchaser’s receipt of goods, services or property. You must deliver or send written notice and return any goods. Notice of cancellation, if sent by mail, is deemed to be given as of the date the mailed notice was postmarked.

5 Days

  • Credit repair contracts (where a fee is paid to a firm for straightening out credit reporting errors) must contain written notice of this right.
  • Time share or interval ownership contracts may be canceled within five days.

30 Days

  • Hearing aids have the longest rescission period for refunds, although the cost of the individualized ear molds is not refundable.
  • You may have other cancellation rights pursuant to your contract or pursuant to certain federal rules. In most your cancellation must be in writing. This is best done by certified mail so that you have an accurate record of your attempt to cancel.

WHAT IS A BUSINESS DAY? Any day except Sunday and official federal/state holidays.

While most contract cancellation policies may be identified within the contract, deceptive trade practices or misrepresentations may constitute a violation of the Colorado Consumer Protection Act (CCPA).  If you believe you have been victimized or if you wish to report suspicious activity, file a report with the Colorado Attorney General.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Consumer Credit Credit and Debt

The Colorado Uniform Consumer Credit Code (UCCC) is a state law that regulates the terms and conditions of consumer credit in the State of Colorado.  The UCCC does not apply to first mortgage residential acquisition and refinance loans except for its sections on disclosures of the cost of credit, certain consumer remedies, and administrative powers.  Most other consumer credit transactions such as payday loans, automobile loans, second mortgages, state-issued credit cards, and signature loans are subject to the UCCC.

The Colorado Attorney General’s Office, through the Administrator of the Uniform Consumer Credit Code, investigates complaints about lenders and creditors, licenses non-bank lenders such as finance companies and payday lenders, and takes appropriate disciplinary or legal action when a creditor violates the law.  For licensing and discipline information or for additional questions, contact the Colorado Uniform Consumer Credit Code section within the Colorado Attorney General’s Office.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Colorado Revised Statutes Legal Resources

Visit here for access to all Colorado Revised Statutes, the United States Constitution, the Colorado Constitution, Colorado Court Rules, and Colorado Advanced Legislative Service, including the Colorado Consumer Protection Act (CCPA) §6-1-101 - §6-1-1121.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Colorado Lemon Law Automobiles

The Colorado Lemon Law may require a manufacturer of a new car to replace that car or to repurchase that car if a defect or condition that substantially impairs the use and market value of the car cannot be corrected.  Colorado's Lemon Law, C.R.S. 42-10-101 through 42-10-107, covers only new self- propelled vehicles, including pickups and vans, but does not cover motor homes and motorcycles. It is unclear whether Colorado’s Lemon Law applies to leased vehicles.

To qualify for relief under the Lemon Law, the vehicle must have been in for repair four or more times for the same defect; or the vehicle is out of service for a cumulative total of 30 or more business days during the warranty term or one year after purchase, whichever comes first.. 

Complaint filing process for Lemon Law:

To initiate the Lemon Law process, consumers must first notify the manufacturer by certified mail of the problem after their car has met the criteria outlined in the previous paragraph. (Consult your owner's manual to find out where to write and for specific regarding your auto manufactures complaint procedures).  Consumers then can participate in an informal dispute settlement procedure if the manufacturer offers it.

If the settlement offered through the dispute settlement procedure is unsatisfactory to the consumer, he/she can file suit. The suit must be filed within six months following the expiration date of any warranty term or within one year following the date of the original delivery of a motor vehicle to a consumer, whichever is the earlier date.  If a manufacturer has established or participates in an informal dispute resolution procedure (for example, through the Better Business Bureau), you must pursue that remedy before you can sue.

If you suspect fraud, If you suspect fraud or wish to report suspicious activity, report it to the Colorado Attorney General. 

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

 

Colorado Legal Services Legal Resources

Colorado Legal Services provides legal assistance to members of the public that fall within certain income guidelines.  While this organization does not handle any criminal or traffic matters, they can assist with civil matters such as family law, bankruptcy, public benefit, landlord/tenant, and senior citizen issues.

Consumers who are low-income or are without income may qualify for assistance and should contact Colorado Legal Services directly for a review of their circumstance. 

 

Colorado Legal Help Center Legal Resources

The Colorado Legal Help Center is a new initiative developed in collaboration with the Colorado Supreme Court for consumers seeking lawyer’s help, help with various legal issues, and providing access to legal materials.  The Colorado Legal Help Center is an excellent resource that contains legal information on a variety of issues.

For more information, please visit:

Colorado Consumer Protection Act Legal Resources

The Consumer Protection Unit’s primary focus is on the prevention of deception and misrepresentations in connection with the advertisement and sale of goods and services to individual and business consumers in Colorado. This is accomplished through the enforcement of the Colorado Consumer Protection Act (CCPA) along with other state and federal consumer protection statutes.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Chiropractors Health and Medical

The Colorado Board of Chiropractic Examiners regulates individual chiropractors. A licensed chiropractor may hold three (3) different authorities: acupuncture, electrotherapy, and animal, in conjunction to their chiropractic license.

The Board regulates chiropractic licenses with their designated authorities. The Board meets regularly to approve license applications and enforce the chiropractic rules, regulations, and practice act that governs the profession. The Board reviews complaints about chiropractors and utilizes the Division’s Office of Investigations to investigate complaints when necessary. The Board is authorized to take disciplinary action against those who have violated the Chiropractic Practice Act, Rules, and Regulations.

To learn more about chiropractors or to check license or disciplinary status of any chiropractors, contact the Colorado Board of Chiropractic Examiners.

Deceptive practices by chiropractors may also violate the Colorado Consumer Protection Act (CCPA).  If you believe you have been victimized by a chiropractor or if you wish to report suspicious activity, report it to the Colorado Attorney General.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Child Support Common Topics

The Colorado Child Support Services Program, operated by the Colorado Department of Human Services is to assure that all children receive financial and medical support from each parent. This is accomplished by locating each parent, establishing paternity and support obligations, and enforcing those obligations.

Child support enforcement units exist within each county in Colorado to assist with child support matters.  For more information regarding child support rules and regulations within Colorado or for assistance relating to child support matters, consumer should contact the Child Support Services Support Program. 

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Charitable Donations Charitable Giving

Charitable organizations and paid charitable solicitors must register with the Colorado Secretary of State before engaging in fundraising activities in Colorado.  Along with registration requirements, charities and paid solicitors are required to annually disclose financial statements to the state which enable donors to review how much of their donation actually goes to a cause along with the overall administration and management costs of the program.

Before donating, consumers should take the extra steps to thoroughly research any organization they are considering well in advance of providing donations.  If not, donations may not be finding the right pockets. 

If you suspect fraud or wish to report suspicious charitable donations, report it to the Colorado Attorney General.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Car Rentals Automobiles

Rental car companies are required to give to persons renting cars written disclosures of the terms and provisions of any collision damage waiver sold as part of the rental contract as well as other disclosures pertaining to financial and personal liability. 

Failure to provide these written disclosures may be a violation of the Colorado Consumer Protection Act (CCPA) and should be reported to the Colorado Attorney General

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Business Regulation Business/Professional Licensing

The Colorado Department of Regulatory Agencies (DORA) includes nine separate divisions and the Executive Director’s Office.  DORA’s divisions include over 40 boards, commissions, and advisory committees. The Division of Registrations alone regulates over 50 professions, occupations and businesses in the state totaling over 345,000 people.

From accountants, architects, and anesthesiologists to boxing, barbers, and electricians, DORA regulates most professions operating within the state.  Check first with DORA for licensing and disciplinary records prior to engaging in business with a company.

While DORA regulates most professions within Colorado, other state and local agencies have certain regulatory authority and licensing and registration requirements.  In addition to checking with the various state agencies, consumers should also check with their local city and county authorities regarding localized registration and licensing requirements. 

Colorado Attorney General’s Office

Colorado Department of Revenue

Colorado Secretary of State

Not finding what you are looking for?

  • Click here for a complete list of state and local agencies.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Banks Credit and Debt

Various state and federal agencies regulate different types of banks operating throughout the state and across the nation.  To learn more about general banking rules, regulations, and where to file a report against your bank, you may wish to check with the following:

For mortgage and foreclosure concerns:

State Chartered Banks:

Nationally Chartered Banks:

Credit Unions:

Deception or misrepresentations from your bank may also violate the Colorado Consumer Protection Act (CCPA).  If you believe you have been a victimized by your bank or if you wish to report suspicious activity, report it to the Colorado Attorney General. 

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Automobile Repair Automobiles

Many consumers feel most vulnerable when dealing with the inevitable need to take their car to a mechanic, whether it is for minor service or major repairs. The Motor Vehicle Repair Act, C.R.S., 42-9-101 to 113, was adopted in order to provide consumers with some control over what can easily become a major expenditure.

Under that Act:

  • Repair garages must obtain a consumer’s written consent to any repairs, before those repairs are performed
  • A repair garage must provide a written or oral estimate of all costs associated with a particular repair
  • A repair garage may not collect any charge for labor or parts in excess of the estimate plus ten percent of that estimate or twenty-five dollars, whichever is less, without the consent of the consumer

To report possible violations of The Motor Vehicle Repair Act, contact your district attorney’s office.

  • Click here to find your District Attorney

Deception or misrepresentations regarding vehicle repairs may also violate the Colorado Consumer Protection Act (CCPA).  If you believe you have been a victim of a vehicle repair fraud or if you wish to report suspicious activity, report it to the Colorado Attorney General.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Automobile Purchase - Right to Cancel Automobiles

Contrary to popular belief, there is no three-day right to cancel on a car purchase.  If a consumer signs a contract to purchase a vehicle, he or she has bought the car and must abide by the contract stipulations or face potential consequences, including legal action.

If someone cancels or backs out of a deal, the dealer may or may not hold them accountable for the entire amount -- it is up to the dealer. But if they allow the contract to be voided, the dealer can only keep $500.00 of the consumer's deposit, unless a greater loss to the dealership can be substantiated, such as mileage or damage to the vehicle.

While there is no three-day right to cancel on a car purchase, deception or misrepresentations during the sales process may violate certain Colorado Department of Revenue – Auto Industry Enforcement Division regulations and/or constitute a violation of the Colorado Consumer Protection Act (CCPA).  If this may be the case, report it.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Audiologists and Hearing Aid Providers Health and Medical

The Colorado Office of Audiology Licensure and Office of Hearing Aid Provider Licensure regulates individual licensed audiologists, hearing aid providers, hearing aid associates and hearing aid trainees in the state of Colorado. Office activities include licensing audiologists and hearing aid providers, investigating complaints, and enforcing disciplinary actions against those who violate the Audiologists and Hearing Aid Providers Practice Act and the Director’s Rules and Regulations.

The Office works in conjunction with the National Board for Certification Hearing Instrument Sciences (NBC-HIS), the Colorado Speech Language Hearing Association (CSHA), the Colorado Academy of Audiology (CAA), and the Colorado Hearing Society.

For more information about your audiologist or to review licensing and disciplinary actions, contact the Office of Audiology and Hearing Air Provider Licensure Office.

Deception or misrepresentations regarding hearing aid sales may also violate the Colorado Consumer Protection Act (CCPA).  If you believe you have been a victim of a hearing aid provider or if you wish to report suspicious activity, report it to the Colorado Attorney General.

If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.

Attorney Discipline Legal Resources

The Colorado Supreme Court Attorney Regulation Counsel licenses and monitors the conduct of attorneys practicing law within Colorado.  Complaints or allegations against your attorney should be reported to the Attorney Regulation Counsel for review.

If you desire a legal opinion relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and other entities.

 

Armed Services Military

All members of the Armed Forces, reservists, retirees, and dependents may be entitled to free general legal assistance from the Judge Advocate General’s (JAG) office.  Whether you need assistance with a power of attorney, will, or would like a home rental or general contract reviewed, contact your branch to see what services are available to you.

If you believe you have been victimized by a fraud or if you wish to report suspicious activity, file a report with the Colorado Attorney General.