FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER

COLORADO

SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
AND FIRST-CLASS MAIL

[DATE]

[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]

Re: FDCPA and Colorado CFDCPA Violation Demand
Consumer: [CONSUMER FULL NAME]
Account/Reference Number: [ACCOUNT NUMBER IF KNOWN]
Alleged Creditor: [ORIGINAL CREDITOR NAME]

Dear Sir or Madam:

This law firm represents [CONSUMER FULL NAME], a Colorado resident, in connection with your collection activities. Please direct all future communications to our office.

I. VIOLATIONS IDENTIFIED

Federal FDCPA Violations:

☐ Failure to provide debt validation notice (15 U.S.C. Section 1692g)
☐ False representations (15 U.S.C. Section 1692e)
☐ Unfair practices (15 U.S.C. Section 1692f)
☐ Harassment (15 U.S.C. Section 1692d)
☐ Third-party communications (15 U.S.C. Section 1692c(b))

Colorado Fair Debt Collection Practices Act Violations (C.R.S. Section 5-16-101 et seq.):

☐ Harassment or abuse (C.R.S. Section 5-16-107)
☐ False or misleading representations (C.R.S. Section 5-16-108)
☐ Unfair practices (C.R.S. Section 5-16-109)
☐ Communication restrictions violations (C.R.S. Section 5-16-106)

Colorado Consumer Protection Act Violations (C.R.S. Section 6-1-105):

☐ Deceptive trade practices
☐ Unconscionable business practices

II. COLORADO-SPECIFIC LEGAL FRAMEWORK

A. Colorado Fair Debt Collection Practices Act

Colorado's mini-FDCPA at C.R.S. Section 5-16-101 et seq. provides protections similar to the federal FDCPA but applies to a broader range of collectors including collection agencies licensed under C.R.S. Section 5-16-103.

Key Provisions:
- Section 5-16-106: Restrictions on communications
- Section 5-16-107: Prohibition on harassment
- Section 5-16-108: Prohibition on false representations
- Section 5-16-109: Prohibition on unfair practices

B. Colorado Consumer Protection Act

C.R.S. Section 6-1-105 provides for treble damages for deceptive trade practices, with a minimum recovery of $500.

III. DAMAGES

IV. DEMAND

Payment of $[SETTLEMENT DEMAND] within thirty (30) days, plus deletion of tradeline and cessation of collection.

V. RESPONSE

Respond within thirty (30) days or we will file suit in U.S. District Court for the District of Colorado or Colorado state court.

Respectfully submitted,

[LAW FIRM NAME]
[ATTORNEY NAME]
[COLORADO BAR NUMBER]

COLORADO-SPECIFIC REFERENCE

Consult a Colorado-licensed attorney before use.