Demand that a debt collector provide proof that you owe the debt they are collecting. This template is customized for Colorado residents with relevant state law citations.
Colorado Legal Requirements
Your demand letter should reference Colorado-specific laws including FDCPA.
- FDCPA
- Colorado Fair Debt Collection Practices Act - CRS § 5-16
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Colorado small claims court or file a complaint with Colorado AG / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Debt Validation Request FAQs for Colorado
What laws protect me in Colorado for debt validation request?
Colorado consumers are protected by FDCPA and Colorado Fair Debt Collection Practices Act - CRS § 5-16. Your demand letter should reference these specific statutes.
What is the small claims limit in Colorado?
The small claims court limit in Colorado is $7,500. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Colorado?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Colorado Demand Letter
Generate a professional debt validation request demand letter tailored for Colorado. Our free tool includes relevant state law citations.
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