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 May 26, 2025).

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

Current through Fall 2025

§ 5-16-106. Harassment or abuse's source at colorado​.gov