Legal Question in Credit and Debt Law in Colorado

Re: telephone collections

The use of abusive tactics by debt collectors is prohibited by both the federal Fair Debt Collection Practices Act [15 USC 1692 et seq] and the Colorado Fair Debt Collection Practices Act [CRS 12-14-101 et seq].

Under the federal statute, a debt collector is prohibited from contacting a consumer [i] at any place which the collector knows or should know is inconvenient to the consumer, and [ii] at the consumer's place of employment if the collector knows or has reason to know that the employer prohibits the consumer from receiving such communication. In addition, except for 3 limited circumstances, a collector is prohibited from further contact with a consumer after the collecter is notified in writing that the consumer demands for such communications to cease. Additional nuances to the above rules exist. The Colorado statute has some identical and some similar prohibitions.

Provisions exist for recovery of actual and statutory damages and attorney fees.