C.R.S. Section 5-16-106
Harassment or abuse


(1)

A debt collector or collection agency shall not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the following conduct:

(a)

The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person;

(b)

The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader;

(c)

The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of 15 U.S.C. sec. 1681b (a)(3) and section 5-18-104 (1)(c);

(d)

The advertisement for sale of any debt to coerce payment of the debt or agreeing to do so for the purpose of solicitation of claims;

(e)

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number;

(f)

Except as provided in section 5-16-104, the placement of telephone calls without meaningful disclosure of the caller’s identity within the first sixty seconds after the other party to the call is identified as the debtor.

Source: Section 5-16-106 — Harassment or abuse, https://leg.­colorado.­gov/sites/default/files/images/olls/crs2023-title-05.­pdf (accessed Oct. 20, 2023).

5‑16‑101
Short title
5‑16‑102
Scope of article
5‑16‑103
Definitions
5‑16‑104
Location information - acquisition
5‑16‑105
Communication in connection with debt collection - definition - repeal
5‑16‑106
Harassment or abuse
5‑16‑107
False or misleading representations - repeal
5‑16‑108
Unfair practices
5‑16‑109
Validation of debts
5‑16‑109.5
Medical debt - requirements related to payment plans - collection prohibited during health insurance appeals - definition
5‑16‑110
Multiple debts
5‑16‑111
Legal actions by collection agencies
5‑16‑111.5
Fees, costs, and costs of collection - limitation
5‑16‑112
Deceptive forms
5‑16‑113
Civil liability
5‑16‑114
Administrative enforcement - rules
5‑16‑115
License - registration - unlawful acts
5‑16‑117
Powers and duties of the administrator
5‑16‑118
Collection agency license - required
5‑16‑119
Collection agency license - requirements - application - fee - expiration - definition
5‑16‑120
License - issuance - grounds for denial - appeal - contents
5‑16‑121
Collection agency license - renewals
5‑16‑122
Collection agency license - notification of change and reapplication requirements
5‑16‑123
Duties of collection agencies
5‑16‑124
Bond - definition
5‑16‑125
Unlawful acts
5‑16‑125.5
Statute of limitations - actions by administrator
5‑16‑126
Criminal penalties
5‑16‑127
Complaint - investigations - powers of administrator - sanctions
5‑16‑128
Debt collectors for the department of personnel - complaint - disciplinary procedures
5‑16‑129
Records
5‑16‑130
Jurisdiction of courts
5‑16‑131
Duty of district attorney
5‑16‑132
Remedies
5‑16‑133
Injunction - receiver
5‑16‑134
Disposition of fees and fines - repeal
5‑16‑134.5
Debts sold or resold after January 1, 2018
5‑16‑135
Repeal of article
Green check means up to date. Up to date

Current through Fall 2024

§ 5-16-106’s source at colorado​.gov