Colorado residents can cite the Consumer Protection Act (Colo. Rev. Stat. § 6-1-101) alongside FDCPA Section 1692g when disputing Encore Capital Group.
Private Right of Action
Yes in Colorado
Treble Damages
Yes in Colorado
Auto-Renewal Law
Yes in Colorado
Medical Billing Protection
Yes in Colorado
Colo. Rev. Stat. § 6-1-101 prohibits unfair and deceptive practices in Colorado. Allows up to 3x damages. You can sue directly.DisputeAI cites this statute automatically in your demand letter.
FDCPA Section 1692g requires Encore Capital Group to validate the debt within 30 days. Section 1692e prohibits false or misleading representations. Section 1692f prohibits unfair practices. Violations allow statutory damages up to $1,000 plus attorney fees.
AI demand letter citing Colo. Rev. Stat. § 6-1-101 + FDCPA from $4.99