Resource Guide | Page 2 | Attorney General - State of Colorado
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Insurance Agents and Services Insurance

The Colorado Division of Insurance, with the Department of Regulatory Agencies, licenses insurance companies and producers (brokers and agents) that engage in business in Colorado. Information on the license status of insurance companies and insurance brokers and agents can be located through the Colorado Division of Insurance.

While the Division of Insurance licenses and can take disciplinary against an agency or broker, the Colorado Attorney General has criminal enforcement authority regarding cases of insurance fraud perpetrated by insurance companies and brokers but also fraud perpetrated by individuals.

To learn more about insurance fraud, visit the Insurance Fraud Center within this site.  If you believe you have witnessed or have been a victim of insurance fraud, report it to the Colorado Attorney General Insurance Fraud 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.

Insurance Fraud Insurance

While the Colorado Division of Insurance licenses and can take disciplinary action against an agency or broker, the Colorado Attorney General has criminal enforcement authority regarding cases of insurance fraud perpetrated by insurance companies and brokers but also fraud perpetrated by individuals.

To learn more about insurance fraud, visit the Insurance Fraud Center within this site.  If you believe you have witnessed or have been a victim of insurance fraud, report it to the Colorado Attorney General's Insurance Fraud 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.

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 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.

Judicial Districts Legal Resources

Colorado consists of 22 judicial districts across the state.  Click here to learn about the district in your area. 

 

District Attorney Legal Resources

The District Attorney (DA) generally investigates and prosecutes crimes committed within their jurisdiction.  Not only does the District Attorney have criminal authority to prosecute, the District Attorney's within Colorado have authority under the Colorado Consumer Protection Act (CCPA) to address certain economic crimes and civil matters in violation of the CCPA.  

Click here to learn more about your district or to contact your District Attorney.

 

Find an Attorney Legal Resources

To find an attorney by practice area and to ensure your attorney is licensed and in good standing to practice law in Colorado, please contact the Colorado Bar Association.

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 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. 

 

Judicial Discipline Legal Resources

The Colorado Commission on Judicial Discipline is charged with monitoring the conduct, under certain ethical principles, of the judiciary of the state courts of Colorado, including judges of County and District courts; judges of the Court of Appeals, and justices of the Supreme Court.

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.

 

Legal Advice Legal Resources

While the Colorado Attorney General is chief legal counsel to state government and is responsible for protecting the public interest, the Attorney General does not serve as legal counsel or advisor to individual citizens and is not authorized to provide legal advice, interpretation, or counsel to private citizens.

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.

 

Small Claims Court Legal Resources

Small claims court is for disputes involving amounts under $7,500.00 and can only handle certain kinds of claims. Small court claims generally are:

  • To recover money or property
  • Performance of a contract or to set aside a contract
  • Comply with restrictive covenants.

The small claims court cannot hear cases of libel or slander, eviction, traffic violations, or criminal matters. If you win in small claims court, you will be responsible (or an attorney that you hire) for collecting any judgment that you win. Keep in mind you have at least six years to collect your judgment.  Additional information is available from the Colorado Judicial Branch.

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 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.

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. 

 

Veterans Military

The U.S. Department of Veterans Affairs (VA) provides Veteran’s access to their benefits for their service to our country.  Whether it’s assisting with health coverage, the GI Bill, employment, or home loans and life insurance, the VA may be able to provide the assistance you need. 

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. 

 

 

Real Estate Brokers Mortgage and Foreclosure

Real estate brokers are regulated by the Division of Real Estate within the Colorado Department of Regulatory Agencies (DORA).  Further information about real estate brokers along with broker registration, licensing, and disciplinary history can be obtained from:

Deceptive practices by real estate brokers may also violate the Colorado Consumer Protection Act (CCPA).  If you believe you have been victimized by a real estate broker or if you wish to report suspicious activity, file a report.

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.

 

Foreclosures Mortgage and Foreclosure

The best resource available to consumers facing foreclosure is the Colorado Foreclosure Hotline, which can be reached at 1-877-601-HOPE (4673). Homeowners who contact the Colorado Foreclosure Hotline to receive assistance stand a much better chance of saving their home than those who go it alone.

The hotline is an immediate resource that distressed borrowers can call to receive free counseling from nonprofit, HUD-approved housing counselors. The counselors not only assist those facing foreclosure but also assist homeowners attempting to negotiate loan modifications or refinancing from their lender.

If you believe you have been a victim of mortgage fraud or wish to report suspicious activity, please file a report here.

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.

Real Estate Appraisers Mortgage and Foreclosure

Real estate appraisers are regulated by the Division of Real Estate within the Colorado Department of Regulatory Agencies (DORA).  Further information about real estate appraisers along with appraiser registration, licensing, and disciplinary history can be obtained from:

Deceptive practices by real estate appraisers may also violate the Colorado Consumer Protection Act (CCPA).  If you believe you have been victimized by a real estate appraiser, file a report. 

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.

Mortgage Loan Originators Mortgage and Foreclosure

Mortgage loan originators are regulated by the Division of Real Estate within the Colorado Department of Regulatory Agencies (DORA).  Further information about mortgage loan originators along with originator registration, licensing, and disciplinary history can be obtained from:

Deceptive practices by mortgage loan originators may also violate the Colorado Consumer Protection Act (CCPA).  If you believe you have been victimized by a mortgage loan originator, file a report. 

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.

Securities and Investments Securities and Investments

Investing can be captivating, rewarding, and very risky at times.  While traditional banking deposits may be federally guaranteed by the Federal Deposit Insurance Corporation (FDIC), investments such as stocks, bonds, and mutual funds can regularly fluctuate and potentially lose value. 

The best way for investors to protect their investment is to do research and ask questions.  Here are some common resources to assist in determining if investing is right for you and to determine if your broker is licensed and in good standing. 

If you have become a victim of investment 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.

Senior Resources Senior Resources

The AARP Foundation ElderWatch grew out of a 1999 study published by the Colorado Attorney General’s Office, Respecting Our Elders: A Statewide Action Plan to Combat Senior Fraud. Among the report’s recommendations was the establishment of a statewide clearinghouse of information set up as a nonprofit agency, to coordinate efforts in both the public and private sectors.

AARP Foundation ElderWatch provides information to and coordinates efforts by law enforcement agencies, social services and other organizations assisting 50+ Coloradans. The ElderWatch program engages roughly 180 volunteers each year, who provide information and assistance to their peers, and consists of three main components:

  • The ElderWatch Hotline: 1-800-222-4444 Telephone Option 2 is a toll-free information and referral service that 50+ consumers, caregivers or professionals can call to report fraud and learn more about scams. Volunteers staff the hotline from 9 a.m. to 4 p.m. MT, Monday–Friday, and the hotline has received more than 21,000 calls since the program’s inception.
     
  • Fraud Fighter Call Center: an outbound calling center that reaches out to older people throughout the country to teach them how to recognize, refuse and report scams.
     
  • Field Fraud Fighter Program: a series of consumer protection presentations and community events, delivered by volunteers and staff, to help protect 50+ consumers.

Through these efforts, AARP Foundation ElderWatch is uniquely positioned to provide information and assistance to older Coloradans and to collect data pertaining to financial exploitation from the front lines. This allows for the creation and dissemination of scam alerts and tips to help proactively educate 50+ consumers about the dangers of financial exploitation.

You may wish to contact AARP Foundation ElderWatch for assistance by calling 1-800-222-4444 telephone option 2.

For additional resources, see also the "Senior 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.

 

Debt Collection Calls Telephone Calls

Many consumers have reported receiving threatening calls from individuals who claim they will have you arrested or thrown in jail if you don’t pay your debt immediately, often receiving the calls from individuals impersonating law enforcement officials.  These types of calls are usually red flags of a debt collection scam as collection agencies do not have the legal authority to arrest or put you in jail for nonpayment of a debt.

If you have received a threatening phone call and wish to report it, contact the National Do-Not-Call Registry and file a report with Colorado No-Call.

For more information about Colorado’s Fair Debt Collection Practices Act (CFDCPA) and to learn more about how to protect yourself against fraud, visit the Creditor Fraud Center

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.

Internal Revenue Service (IRS) Calls Telephone Calls

The Internal Revenue Service issued a consumer alert providing taxpayers with additional tips to protect themselves from telephone scam artists calling and pretending to be with the IRS.

These callers may demand money or may say you have a refund due and try to trick you into sharing private information. These con artists can sound convincing when they call. They may know a lot about you, and they usually alter the caller ID to make it look like the IRS is calling. They use fake names and bogus IRS identification badge numbers. If you don’t answer, they often leave an “urgent” callback request.  “These telephone scams are being seen in every part of the country, and we urge people not to be deceived by these threatening phone calls,” IRS Commissioner John Koskinen said. “We have formal processes in place for people with tax issues. The IRS respects taxpayer rights, and these angry, shake-down calls are not how we do business.”

The IRS reminds people that they can know pretty easily when a supposed IRS caller is a fake. Here are five things the scammers often do but the IRS will not do. Any one of these five things is a tell-tale sign of a scam. The IRS will never:

  • Call to demand immediate payment, nor will we call about taxes owed without first having mailed you a bill.
  • Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe.
  • Require you to use a specific payment method for your taxes, such as a prepaid debit card.
  • Ask for credit or debit card numbers over the phone.
  • Threaten to bring in local police or other law-enforcement groups to have you arrested for not paying.

If you get a phone call from someone claiming to be from the IRS and asking for money, here’s what you should do:

  • If you know you owe taxes or think you might owe, call the IRS at 1.800.829.1040. The IRS workers can help you with a payment issue.
  • If you know you don’t owe taxes or have no reason to believe that you do, report the incident to the Treasury Inspector General for Tax Administration (TIGTA) at 1.800.366.4484 or at https://www.treasury.gov/tigta/contact_report_scam.shtml.

Remember, too, the IRS does not use unsolicited email, text messages or any social media to discuss your personal tax issue. For more information on reporting tax scams, go to www.irs.gov and type “scam” in the search box.

For more information about fraudulent telephone calls and how to protect yourself against telemarketing fraud, visit the Telemarketing Fraud Center

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.

National Do Not Call Registry Telephone Calls

The National Do Not Call Registry gives you an opportunity to limit the telemarketing calls you receive. Once you register your phone number, telemarketers covered by the National Do Not Call Registry have up to 31 days from the date you register to stop calling you.

If you wish to register your home or mobile telephone number with the National Do Not Call Registry or if you have received a fraudulent call and wish to report it, contact the National Do Not Call Registry and file a report with Colorado No-Call.

 

Unwanted Telephone Calls Telephone Calls

The Colorado No Call List was enacted by the Colorado General Assembly in 2001 to enable consumers to protect themselves against unwanted telephone calls to residential or personal wireless telephone numbers. If you wish to register your home or mobile telephone number with the Colorado No-Call List or if you have received a fraudulent call and wish to report it, contact Colorado No-Call.

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.