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Browse our 1 legal question about Debt & Collection in United States and the lawyer answers, or ask your own questions for free.
In Denver, the field of Debt & Collection Law is governed by both federal and local (state) regulations. These regulations ensure fair debt collection practices while affirming the rights of creditors to pursue repayment. In Denver, these affairs fall under the guidelines established by the Fair Debt Collection Practices Act at a federal level and Colorado Fair Debt Collection Practices Act at a state level.
There are several instances where you might require a lawyer for issues related to Debt & Collection. When facing financial difficulties, you might struggle to make repayments resulting in the debt being handed over to a collection agency. In such cases, you might need to explore options such as debt settlement, debt consolidation, or even bankruptcy. Legal assistance is recommended to navigate these complex issues. If you believe your rights have been violated by a debt collector or if you're being sued by a collector, you will need a lawyer for representation and protection.
Denver, like the rest of Colorado, abides by the Colorado Fair Debt Collection Practices Act. This local law is more extensive than federal law and covers more entities and types of debts. It provides rights such as the requirement for debt collectors to provide full disclosure of the debt, restrictions on contact including prohibiting communication at inconvenient or unusual times, and providing a right to dispute the debt. The law also makes it illegal for collectors to misrepresent the amount owed or the legal status of the debt.
No, a collector is not allowed to contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it.
If you believe that a debt isn't yours, you have the right to send a dispute letter to the collection agency. They are then required to stop collection efforts until they can verify the debt is yours.
No, debt collectors are prohibited from using any form of threat, including threatening jail time, to collect a debt.
Most creditors cannot get a wage garnishment order until they have first obtained a court judgment stating you owe the creditor money.
Yes, but only if the original agreement that created your debt – or your state law – allows the charge.
There are several resources available to assist with debt & collection issues in Denver, Colorado. The Colorado Attorney General's Office has a Consumer Protection Division that handles concerns regarding debt collection practices. Furthermore, the Denver Bar Association offers a lawyer referral service for individuals seeking legal advice.
If you need legal assistance for debt & collection in Denver, start by collecting all your relevant documents – this might include collection letters, voicemail messages, details of the debt, etc. Next, contact a local lawyer specializing in debt & collection law. Use resources such as the Denver Bar Association’s lawyer referral service or other recognized legal directories. Be sure to check any lawyer’s credentials, experience, and reviews before proceeding.
