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What do I do if I have been served with a summons by a law firm for a creditor? This is a question that I hear from time to time. The short answer is that it is time to take action. If you would [...]

The Fair Debt Collection Practices Act prohibits debt collectors from threatening you. If you do receive threats from a debt collector, I recommend that you contact the Colorado State Attorney [...]

Although creditors and debt collectors often say anything they want, they cannot legally demand that you return a phone call by a certain date or time. If they do make demands like that, the best [...]

If you receive a collection notice and want to formally dispute the validity of the debt, you must do so within 30 days from the time you receive the notice from the debt collector. If you want [...]

In Colorado, creditors are not allowed to call you at work if you’ve informed them that you are not allowed to take personal calls at the office or at work.

Yes, your wages can be garnished for non-payment of a debt. In Colorado, creditors can take 25% of your take-home pay if you do not pay a debt – but they must have a court-ordered judgment [...]

There are two ways to stop creditors from calling you. One way is to hire an attorney to represent you with respect to your debts. Once you’ve informed a creditor that you’ve hired an attorney to [...]

A Cease Communication letter is used to request that a debt collector stop calling you. It will not stop the collection process, nor will it stop written correspondence from your creditors, but [...]

A Cease Communication letter is a very effective tool that most people don’t know much about. Under the Fair Debt Collection Practices Act, you have the right to ask your creditors to stop [...]

The Fair Debt Collection Practices Act applies to third-party creditors only; it does not apply to original creditors. However, most creditors will respect the law even if they are the original [...]