Sued for Debt in Colorado? We Can Help
Our attorneys negotiate with debt collectors in Colorado to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 21 Days
You have 21 days from the date you are served to file your Answer with the Colorado court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Colorado
| Debt Type | Years |
|---|---|
| Credit Card | 6 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Colorado
Wage garnishment is allowed — up to 25% of disposable earnings
Greater of 75% of disposable earnings or 40x federal minimum wage is exempt. Head of household may get additional protection.
Court System in Colorado
County court handles civil cases up to $25,000. District court for larger amounts.
Filing fees: $85-$250
Colorado Consumer Protection Law
Colorado Fair Debt Collection Practices Act (CFDCPA)
In addition to the federal FDCPA, Colorado has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Colorado Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Colorado clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 21 days to respond to the lawsuit in Colorado. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Colorado
How long do I have to respond in Colorado?
21 days from service to file your Answer.
What is the statute of limitations in Colorado?
6 years for all types of contracts including credit cards and written agreements.
Does Colorado have its own debt collection law?
Yes. The Colorado Fair Debt Collection Practices Act provides protections beyond the federal FDCPA.
Can wages be garnished in Colorado?
Yes. The greater of 75% of disposable earnings or 40 times the federal minimum wage is exempt.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Colorado Debt
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