FDCPA Violation Demand Letter - Colorado

FDCPA VIOLATION DEMAND LETTER — COLORADO

Date: [__/__/____]

Via: [DELIVERY METHOD]

To: [COLLECTOR NAME AND ADDRESS]

Re: [CONSUMER NAME]; [ACCOUNT OR REFERENCE NUMBER]

Dear [COLLECTOR NAME]:

I represent [CONSUMER NAME] concerning the debt identified above. My office address is [ADDRESS], and my direct contact information is [EMAIL / PHONE]. Please direct communications concerning this debt to me, subject to the exceptions in 15 U.S.C. § 1692c(a)(2) and C.R.S. § 5-16-105(1)(b).

The obligation arose from [PERSONAL, FAMILY, OR HOUSEHOLD TRANSACTION]. Your collection role is [FACTS SHOWING DEBT COLLECTOR / COLLECTION AGENCY STATUS]. The relevant Colorado connection is [FACTS SUPPORTING C.R.S. § 5-16-102 COVERAGE].

Conduct at issue

On [DATE(S)], [DESCRIBE THE ACTUAL COMMUNICATION OR COLLECTION ACT, THE PERSON WHO DID IT, WHAT WAS SAID OR SENT, AND THE SUPPORTING DOCUMENT]. This conduct appears to violate the following provisions, as selected and explained below. Delete every line that does not fit the facts.

• ☐ Federal notice or dispute rights — 15 U.S.C. § 1692g: [IDENTIFY INITIAL COMMUNICATION, NOTICE, DATE RECEIVED, ANY TIMELY WRITTEN DISPUTE OR ORIGINAL-CREDITOR REQUEST, AND CONTINUED COLLECTION IF APPLICABLE].
• ☐ Federal false representation — 15 U.S.C. § 1692e: [IDENTIFY THE SPECIFIC FALSE OR MISLEADING REPRESENTATION].
• ☐ Federal unfair collection — 15 U.S.C. § 1692f: [IDENTIFY THE UNFAIR OR UNCONSCIONABLE ACT].
• ☐ Federal harassment — 15 U.S.C. § 1692d: [IDENTIFY HARASSING CONDUCT].
• ☐ Federal communication restriction — 15 U.S.C. § 1692c: [IDENTIFY PROHIBITED CONTACT AND THE APPLICABLE NOTICE, KNOWLEDGE, OR CONSENT FACTS].
• ☐ Colorado communication restriction — C.R.S. § 5-16-105: [IDENTIFY PROHIBITED CONTACT AND COVERAGE FACTS].
• ☐ Colorado harassment — C.R.S. § 5-16-106: [IDENTIFY CONDUCT].
• ☐ Colorado false representation — C.R.S. § 5-16-107: [IDENTIFY REPRESENTATION].
• ☐ Colorado unfair collection — C.R.S. § 5-16-108: [IDENTIFY CONDUCT].
• ☐ Colorado validation — C.R.S. § 5-16-109: [IDENTIFY INITIAL COMMUNICATION, NOTICE, TIMELY DISPUTE, AND RESPONSE FACTS].

Supporting documents enclosed: [IDENTIFY ATTACHMENTS, OR WRITE NONE]

Requested resolution

My client requests that you [SPECIFY CORRECTION, SUCH AS WITHDRAWING A FALSE BALANCE, CORRECTING A REPORT, OR CONFIRMING COLLECTION HAS CEASED]. To resolve the asserted claims, my client offers to settle for [AMOUNT AND NONMONETARY TERMS], subject to a separately signed settlement agreement. Please respond by [DATE] at [EMAIL / MAILING ADDRESS]. This is a proposed settlement date, not a statutory deadline.

For a proven federal violation, 15 U.S.C. § 1692k permits actual damages, court-allowed additional damages up to $1,000 in an individual action, and costs and a reasonable attorney fee in a successful action. C.R.S. § 5-16-113(1) has its own actual-damages, additional-damages, and successful-action fee provisions. Section 5-16-113(7) bars recovery of Colorado damages for a like federal provision when federal damages are recovered. Any settlement amount here is a proposal, not an assertion that these awards are automatic or additive.

If the matter is not resolved, my client may consider available remedies in a court with jurisdiction. Please preserve records concerning the identified account and communications.

Sincerely,

[ATTORNEY NAME]
[LAW FIRM]
[COLORADO BAR NUMBER]
[ADDRESS, EMAIL, PHONE]

Sources and References

• Current U.S. Code, 15 U.S.C. §§ 1692a, 1692c-1692g, 1692k: https://uscode.house.gov/
• Colorado Revised Statutes, Title 5, Article 16: https://olls.info/crs/crs2026-title-05.htm