Sued by Unifin Inc. in Colorado? Here's What to Do Next
Colorado RESPONSE DEADLINE
21 Days
from the date you were served
STATUTE OF LIMITATIONS
6 Years
for typical Unifin Inc. debts in CO
WAGE GARNISHMENT
Allowed — up to 25%
Unifin Inc. in Colorado
Unifin Inc. files fewer cases in Colorado than in larger states — the CFPB Consumer Complaint Database shows fewer than 10 Colorado complaints against Unifin Inc. in the last 24 months. The legal playbook is the same: Unifin Inc. must still prove they own the debt, the amount they claim is correct, and the 6-year Colorado statute of limitations has not run.
About Unifin Inc.
Unifin Inc. is a debt collection agency that collects on behalf of original creditors and debt buyers. They handle a variety of consumer debts including credit card, medical, and utility debts. Unifin has been subject to consumer complaints regarding their communication practices and has been involved in FDCPA litigation. They are known for aggressive phone campaigns and threatening legal action.
Type: Collection Agency. Common debt types: credit card, medical, utility, telecom.
CFPB Enforcement History
Unifin, Inc. is a third-party debt collector based in Skokie, Illinois. We could not identify a public CFPB consent order or formal enforcement action against Unifin, but the CFPB's consumer complaint database contains hundreds of consumer complaints about Unifin, with the most common issue being attempts to collect debts the consumer says they do not owe.
Colorado-Specific Defenses Against Unifin Inc.
Statute of Limitations Defense
In Colorado, the statute of limitations for credit card debt is 6 years. If your last payment was more than 6 years ago, the debt is time-barred. Verify when your last payment or account activity occurred and raise the SOL defense in your Answer if applicable.
Challenge the Amount
Demand a complete accounting from the original creditor's last statement through the current claimed balance. Any unauthorized fees, post-charge-off interest, or collection costs not in the original agreement should be disputed line by line.
Colorado Wage Garnishment Exemptions
Greater of 75% of disposable earnings or 40x federal minimum wage is exempt. Head of household may get additional protection.
Colorado Fair Debt Collection Practices Act (CFDCPA)
In addition to the federal FDCPA, Colorado's Colorado Fair Debt Collection Practices Act (CFDCPA) may provide additional protections and remedies against Unifin Inc.'s collection practices.
Colorado Court System
County court handles civil cases up to $25,000. District court for larger amounts. Filing fees in Colorado typically range $85-$250.
Common FDCPA Violations by Unifin Inc.
- Making excessive phone calls that constitute harassment
- Threatening legal action they do not intend to take
- Failing to identify themselves as debt collectors in communications
- Communicating with third parties about the consumer's debt
- Continuing to call after consumer requested written communication only
Statute of Limitations in Colorado
| Debt Type | SOL (Years) |
|---|---|
| Credit Card | 6 |
| Medical | 6 |
| Auto | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
Frequently Asked Questions
Who is Unifin Inc.?
Unifin Inc. is a third-party debt collection agency that collects debts on behalf of other companies. They are not the original creditor and must follow all FDCPA rules.
Can Unifin sue me?
Unifin may file lawsuits as part of their collection process. You have the right to respond and defend against any lawsuit they file.
How do I stop Unifin from calling me?
Send a written cease-and-desist letter via certified mail. Under the FDCPA, they must stop calling after receiving your written request, though they may still pursue legal action.
Is Unifin violating the law by calling me multiple times a day?
The FDCPA prohibits harassment through excessive phone calls. Under the Regulation F rule, collectors generally cannot call more than 7 times within 7 days per debt. If Unifin exceeds this, they may be violating the law.
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.
How does Colorado's state FDCPA differ from the federal FDCPA?
Colorado's state Fair Debt Collection Practices Act (Colo. Rev. Stat. §§ 5-16-101 et seq.) substantially tracks the federal FDCPA (15 U.S.C. §§ 1692-1692p) but with several Colorado-specific enhancements. First, it requires collection agencies to be licensed by the Colorado Administrator of the Uniform Consumer Credit Code under Colo. Rev. Stat. § 5-16-103. An unlicensed collector cannot collect or sue on a Colorado debt; doing so violates both the licensing statute and the state FDCPA. Second, Colorado restricts contact methods and time-of-contact rules similarly to federal Regulation F (12 CFR Part 1006). Third, remedies under Colo. Rev. Stat. § 5-16-113 include actual damages, statutory damages up to $1,000, attorney's fees, and class-action damages up to the lesser of $500,000 or 1% of the collector's net worth. Both statutes can be enforced in parallel as counterclaims to a collection suit.
How much can a creditor garnish from my wages in Colorado?
Colorado is more protective than the federal floor. Under Colo. Rev. Stat. § 13-54-104, the maximum wage garnishment is the lesser of 20% of disposable earnings (not 25% as under federal law) or the amount by which weekly disposable earnings exceed 40 times the state minimum wage. With Colorado's 2026 state minimum wage of $14.81, the protected weekly amount substantially exceeds the federal 30-times-federal-minimum-wage floor at 15 U.S.C. § 1673. To assert the exemption, file a claim of exemption with the issuing court immediately after receiving notice of garnishment, and request a hearing. Federal benefits including Social Security, SSI, and VA benefits remain fully protected under 42 U.S.C. § 407. Colorado also exempts certain types of pension and retirement income under Colo. Rev. Stat. § 13-54-102.
What is the statute of limitations for credit card debt in Colorado?
Colorado applies a six-year statute of limitations to actions on contracts and instruments for the payment of money under Colo. Rev. Stat. § 13-80-103.5, which courts have applied to credit card debts. The clock generally begins on the date of default or last payment. Once six years pass, the debt is time-barred. A collector who sues anyway violates 15 U.S.C. § 1692e(2) and § 1692f(1) of the federal FDCPA as well as the parallel Colorado FDCPA (Colo. Rev. Stat. §§ 5-16-101 et seq.). Raise the statute of limitations as an affirmative defense in your Answer along with a counterclaim for statutory damages up to $1,000 per action plus attorney's fees under both statutes. Be cautious: partial payment or a written acknowledgment can revive the SOL under Colo. Rev. Stat. § 13-80-113, so do not pay or sign anything on an old debt without legal advice.
How does Colorado protect against medical debt collection?
Colorado has some of the strongest medical debt protections in the country. Colorado SB 21-227, codified at Colo. Rev. Stat. §§ 25-3-501 et seq., requires hospitals to screen patients for financial assistance before referring debts to collection and limits collection actions on medical debt that should have been covered by assistance programs. In addition, Colorado SB 23-093 prohibits the reporting of medical debt to consumer credit reporting agencies starting in 2024, which means a paid or unpaid Colorado medical debt cannot legally appear on your credit report. If a collector is reporting Colorado medical debt to a CRA, dispute it with the bureau and the furnisher under 15 U.S.C. § 1681s-2 of the Fair Credit Reporting Act and consider an FCRA claim. The Colorado AG's Consumer Protection Section actively investigates violations of these medical-debt rules.
Where are debt collection cases filed in Colorado?
Colorado debt collection cases are filed in either county court (for amounts up to $25,000) or district court (for amounts above $25,000). Small claims court handles cases up to $7,500 but does not allow representation by attorneys for either side, which most collectors avoid. The federal FDCPA at 15 U.S.C. § 1692i and Colorado law at Colo. R. Civ. P. 98 require suit in the county where you currently reside or where you signed the original contract. If the collector files in the wrong county, raise improper venue immediately and consider an FDCPA counterclaim, which is a per se violation. You have 21 days from service to file an Answer in Colorado county court and 21 days in district court. Failing to answer allows a default judgment, exposing you to wage garnishment up to 20% under Colo. Rev. Stat. § 13-54-104 and bank levies on non-exempt funds.
Sued by Unifin Inc. in Another State?
Unifin Inc. files cases nationwide. Select your state for the response deadline, statute of limitations, and state-specific defenses.
Sued by a Different Collector in Colorado?
The 21-day Colorado response deadline applies no matter who sued you. Pick the creditor on your summons for creditor-specific defenses.
This page summarizes public information from the CFPB Consumer Complaint Database, CFPB enforcement records, and Colorado state law. It is not legal advice. Statutes and court rules change — consult a licensed attorney in Colorado for guidance on your specific case.
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