Resource Guide | Page 2 | Attorney General - State of Colorado
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Timeshares Common Topics

While legitimate timeshare purchasing and reselling organizations are lawfully conducting business throughout the state, every year fraudulent timeshare businesses pop-up in an effort to steal your money.  Click here to learn more about timeshare scams and how to protect yourself from becoming a victim.   

If you have been a victim of a timeshare scam and incurred financial losses, file a report with the Federal Bureau of Investigations (FBI).

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.

Education Common Topics

The Colorado Department of Education is the administrative arm of the Colorado State Board of Education. This state agency can help with occupational/vocational schools, questions about school requirements. If a consumer has tried to resolve a problem with the local school officials and not succeeded, this could be a good resource.

For those with questions or concerns regarding higher education, the Colorado Department of Higher Education may be able to provide further assistance.

While the Departments generally oversee issues and concerns regarding education, concerns regarding deception and misrepresentations, such as inflated graduation rates or non-fulfillment of job placement guarantees may also constitute a violation of the Colorado Consumer Protection Act (CCPA).  If this may be the case, 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.

Moving / Movers Common Topics

Moving can be an extremely stressful time.  Not only can moving be stressful, it can also an opportune time for scammers as well.  Do your homework before you move and know who you are dealing with prior to entering into any contract.

In-state movers are regulated by the Colorado Public Utilities Commission and are required to meet certain standards prior to operating.  Interstate movers must be licensed by the Federal Motor Carrier Safety Administration (FMCSA). Verify your mover is licensed prior to signing a contract.  Consumers may also want to check on their complaint history and reputation with organizations like the Better Business Bureau.

Click here to learn more about moving scams and additional tips on how to protect yourself from becoming a victim.  Deception or misrepresentations by moving companies within Colorado may also violate the Colorado Consumer Protection Act (CCPA).  If you believe you have been victimized by a moving company or if you wish to report suspicious activity, 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.

Product Safety Common Topics

The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from thousands of types of consumer products under the agency's jurisdiction.

If you have concerns about the safety of products you have purchased or if you wish to see what products have been recalls, contact the Commission.

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.

Home Owner Associations (HOA's) Common Topics

Amid the growing concern regarding homeowner’s associations (HOA’s), the Department of Regulatory Agencies (DORA) - Division of Real Estate has established The HOA Information and Resource Center.

The Center provides information to homeowners as well as registration requirements for HOA’s within the state.  For further information about HOA’s or to submit a complaint, please contact The HOA Information and Resource Center

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.

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.

Work Place Safety Common Topics

The Occupational Safety and Health Administration’s (OSHA) goal is to save lives, prevent injuries and protect the health of America’s workers. To accomplish this, federal and state governments must work in partnership with the more than 100 million working men and women and their six and a half million employers who are covered by the Occupational Safety and Health Act of 1970.

OSHA and its state partners have approximately 2100 inspectors, plus complaint discrimination investigators, engineers, physicians, educators, standards writers, and other technical and support personnel spread over more than 200 offices throughout the country. This staff establishes protective standards, enforces those standards, and reaches out to employers and employees through technical assistance and consultation programs.

Nearly every working man and woman in the nation comes under OSHA’s jurisdiction (with some exceptions such as miners, transportation workers, many public employees, and the self-employed). Other users and recipients of OSHA services include occupational safety and health professionals, the academic community, lawyers, journalists, and personnel of other government entities.

Consumers with questions or complaints about safety in the workplace can contact OSHA. 

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.

Disabled Telephone Users Common Topics

The State of Colorado has established the Disabled Telephone Users Fund (C.R.S. 40-17-104 ) to help fund services for hearing or speech impaired individuals. The Colorado Public Utilities Commission administers telephone relay services through a program called “Relay Colorado.” Relay Colorado is a free service that provides full telephone access to people who are deaf, hard of hearing, deaf-blind, or speech-disabled.

Relay Colorado allows text-telephone (TTY) users to communicate with regular telephone users through trained relay operators. The operator will dial the requested number and relay the conversation between the two callers. The service is available 24 hours a day, 365 days a year, and there are not any restrictions on the number or length of calls. All calls are confidential and records of conversations are not kept.
This service is accessed by dialing “711” on your telephone. More information on the use of service is available here.

An additional service that is available through Relay Colorado is “captioned telephone.” Using special telephone equipment, you simply dial the number you are calling and the phone automatically connects you to the captioned relay center for Relay Colorado. Specially trained operators transcribe everything the other party says to you into written text (captions) using voice recognition technology. The captions appear on a screen on your telephone. More information on this captioned telephone service is available here.

 

Refugee Services Common Topics

Colorado Refugee Services Program (CRSP) is a division of the Colorado Department of Human Services and funded by the U.S. Department of Health and Human Services' Office of Refugee Resettlement.  The agency’s goal is to ensure effective resettlement of officially designated refugees and to promote refugee self-sufficiency. Refugees are federally defined as having legal status and a lawful presence in the state.

The agency is committed to a holistic approach to refugee resettlement. Services and programs support refugees and the larger receiving community working together to build the social capital necessary to both sustain a welcoming environment for refugees as well as a return on investment for the mainstream. Working with local partners, CRSP supported services include: ESL classes, job training, cash assistance, legal services, and health care.

For more information or to seek assistance with refugee matters, contact the Colorado Refugee Services Program.

Additionally refugees who believe they have been victimized by fraud or wish to report suspicious activity should file a report with the Colorado Attorney General.

 

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.

Telemarketing Business/Professional Licensing

Under Colorado law, a "commercial telephone seller” may not conduct business in this state without having registered with the Colorado Attorney General at least ten days prior to the conduct of such business.  This applies to any commercial telephone seller located in Colorado and to any commercial telephone seller contacting prospective purchasers in Colorado.

To find out more about telemarketing within the state or to determine if a business is registered to conduct telemarketing in Colorado, check with the Colorado Attorney General.

If you believe you have received a fraudulent call or wish to report telemarketing fraud, file a report with:

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.

Repossessors Business/Professional Licensing

Under Colorado law, any person who is retained by a secured party to recover or take possession of collateral upon default is required to be bonded for property damage to or conversion of such collateral in the amount of at least $50,000. Such bond shall be filed with and drawn in favor of the Colorado Attorney General.

To find out more about repossessors or to determine if a business is registered to conduct repossessions in Colorado, check with the Colorado Attorney General.

If you believe you have been a victim of a fraudulent repossession 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.

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.

Vehicle Safety Automobiles

The National Highway Traffic Safety Administration’s (NHTSA) primary mission is to “save lives, prevent injuries, and reduce economic costs due to road traffic crashes.” One of the most important ways in which the agency carries out its safety mandate is to issue Federal Motor Vehicle Safety Standards (FMVSS).

Through these rules, NHTSA strives to reduce the number of crashes and to minimize the consequences of those crashes that do occur.  To learn more about vehicle safety standards or to report vehicle safety concerns, contact the National Highway Traffic Safety Administration.  

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.

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.

Gas Pricing Automobiles

No state or federal agency directly regulates the prices charged by gasoline refiners, wholesalers, or retailers. Prices are established in each local marketplace by each competitor independently and without agreement with a competitor.

Similarity of prices in a local marketplace is NOT, by itself, evidence of a conspiracy since competitor’s prices are publicly disclosed. However, if you have direct evidence that local competitors are actually agreeing on prices, report it to the Colorado Attorney General’s Anti-Trust Unit. 

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.

Odometer Fraud Automobiles

Odometer fraud is the illegal practice of rolling back an odometer to make it appear that a motor vehicle has lower mileage than it actually does.  Any person who disconnects, resets, or alters the odometer on a motor vehicle with the intent to defraud a subsequent purchaser or lessee is in violation of federal law.

If you suspect odometer fraud with a vehicle purchase, report it:

Private/Individual Purchase:

Dealer Purchase:

National Purchase:

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.

Gas Pump Inspection Automobiles

The Colorado Department of Labor – Division of Oil and Public Safety not only overseas safe storage and use of petroleum products, the agency also handles complaints regarding gas pumps that appear to be reading inappropriate amounts, as well as certain pricing issues and measurement issues.

If you suspect petroleum contamination or believe a gas pump may not accurately reflect your purchase, contact the Department of Oil and Safety. 

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.

Salvage Vehicles Automobiles

In Colorado, a “salvage vehicle” is any vehicle that is damaged by collision, fire, flood, accident, trespass, or other occurrence, excluding hail damage, to the extent that the cost of repairing the vehicle to a roadworthy condition and for legal operation on the highways exceeds the vehicle's retail fair market value immediately prior to such damage. 

For more information regarding salvage vehicles or to report possible fraud pertaining to a vehicle purchase, contact the Colorado Division of Motor Vehicles.

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.

Emissions Automobiles

After July 1987, any vehicle must have all the original emissions equipment at the time of sale and it is the responsibility of the seller to provide the buyer with proof.  Information on Colorado motor vehicle emission requirements is available through the Colorado Department of Revenue – Department of Motor Vehicles.

For additional information or where you can find an emissions testing location, check with Air Care Colorado.

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.

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.

 

New/Used Automobile Sales Automobiles

Auto Dealer Purchases:
New and used auto purchases handled through a dealer are regulated by the Colorado Department of Revenue – Auto Industry Enforcement Division.  Consumers with questions or concerns regarding their auto purchase should contact the Auto Industry Enforcement Division.

Deception or misrepresentations during the sales process may also constitute a violation of the Colorado Consumer Protection Act (CCPA).  If this may be the case, report it to the Colorado Attorney General.

Individual Auto Sales:

Auto purchases made through individuals or a private party are not typically regulated thought the Auto Industry Enforcement Division.  Rather traditional contract rules typically apply to any private auto purchase transaction, including vehicles purchased “AS IS”.   As a result consumers should have any vehicle checked out by an independent certified mechanic and should fully understand all contract terms prior to executing/signing a purchase agreement. 

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.