FDCPA Violation Demand Letter - Colorado
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
| Category | Amount |
|---|---|
| FDCPA Statutory Damages | Up to $1,000 |
| Colorado CPA Treble Damages | Minimum $500 |
| Actual Damages | $[AMOUNT] |
| Attorney's Fees | $[AMOUNT] |
| TOTAL ESTIMATED | $[AMOUNT] |
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
| Element | Colorado Law |
|---|---|
| State Mini-FDCPA | C.R.S. Section 5-16-101 et seq. |
| Consumer Protection Act | C.R.S. Section 6-1-101 et seq. |
| Treble Damages | Yes under CPA (minimum $500) |
| Attorney's Fees | Mandatory under CPA |
| Collection Agency Licensing | C.R.S. Section 5-16-103 |
| State Enforcement | Colorado AG |
Consult a Colorado-licensed attorney before use.
About This Template
A demand letter is a formal written request to fix a problem or pay what is owed, sent before anyone files a lawsuit. It gives the other side a real chance to settle, creates a record of your attempt to resolve things, and in many cases (unpaid debts, insurance claims, broken contracts) starts a legally required response window. A well-written demand letter lays out what happened, what you want, and a deadline to act, which is often enough to get results without ever going to court.
Important Notice
This template is provided for informational purposes. It is not legal advice. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Last updated: February 2026