Legal Question in Credit and Debt Law in Colorado

This sounds like the standard practice of dishonest debt collectors. Not paying a debt is not a crime and there are no debtor�s prisons.

Based on your limited facts, the debt collector may have violated the Fair Debt Collection Practices Act and the related Colorado Act. This site has a good discussion on your rights related to debt collections and has various form letters. http://www.privacyrights.org/fs/fs27-debtcoll.htm. This site discusses the similar Colorado act and you may want to consider filing a complaint http://www.coloradoattorneygeneral.gov/departments/consumer_protection/uccc_cab/cab/consumer_rights_information_english.

Depending on the facts, you may be able to sue them for this violation. You should record all calls and get their contact information. Contact an attorney to review the matter and determine your options.

DISCLAIMER�This answer is for informational purposes only and discusses general legal principles, trends, and considerations and is not intended as specific legal advice regarding your question. This answer does not establish an attorney-client relationship.