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Debt help and local sources in Colorado

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What this location page can tell you

The local source material addresses selected debt and provider-law questions. It is not a complete review of every local program, deadline or exemption.

Local public sources to check

These links were captured in the dated research. Check the current version, service covered and instructions on the official site before relying on a rule.

Debt Management Registration, Colorado AG.coag.gov ↗Debt Management: Consumers, Colorado AG.coag.gov ↗Public Reports, Colorado AG licensing system.licensing.coag.gov ↗Notice of Proposed Rulemaking—Fees Charged to Consumers for Debt-Management Services — UCCC Administratorcoag.gov ↗2026 CRS Titles Download, Colorado General Assembly/OLLS.content.leg.colorado.gov ↗HB24-1380, signed act, Colorado General Assembly.leg.colorado.gov ↗

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How should you compare debt-help fees in Colorado? →Why can a fee change as accounts are resolved? →Is a provider’s registration fee a charge you owe? →Can you rely on a rule copied onto another website? →Is there one debt-relief fee limit for the whole country? →
Check this location’s original research and coverageOriginal working documents, complete tables and revision history
About this archive

The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.

Home States & places / Colorado: the debt research
PLACES & JURISDICTIONS

Colorado: the debt research

Read the specific saved components, their source versions and remaining gaps. No state, country or legal framework is certified complete.

Related passages in broader research

These papers include a geographic heading or component indicator. Their entire table totals are not jurisdiction-specific findings.

R100pass-01

Colorado Part 17: current statutory text, adopted replacement, and application boundaries

Inside: Colorado Part 17: current statutory text, adopted replacement, and application boundaries · Reading conventions · 1.1 Core compilation and adopted instruments

25 tables127 claim records20 source recordsScoped review · limits applyCaptured 2026-10-28

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

2 saved components17 captured tables
DATA, COMPARISONS & EXAMPLES

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Colorado: fee limits use different bases, triggers and completion conditions

The saved 12-row matrix distinguishes a $50 DMP setup ceiling, monthly min($10 × remaining creditors, $50), settlement performance conditions, a completion-dependent aggregate constraint, and separate dishonor/contribution/anti-stacking rules.

Colorado fee structure as described in the saved October 2026 research; unresolved authority remains visible

Fee or chargeSaved statutory findingCondition or unresolved issue
DMP setupUp to $50 for consultation, obtaining a credit report, and setting up an account.§223(d)(1)(A); applicable concession-based plan and compliant signed agreement.
DMP monthly serviceUp to $10 × creditors remaining in the plan when assessed, capped at $50 in any month.The statutory unit is creditors, not accounts, original enrolled debts, or original creditor count.
DMP lifetime or debt-percentage capSection 223(d)(1) supplies setup and monthly limits, not a separate debt-percentage or plan-lifetime ceiling.This does not remove suitability, unfairness, agreement, or other-law constraints.
Principal-reduction settlement feeNo payment request or receipt before the state performance conditions in §223(d)(2)(A).Any fee or consideration is covered; relabeling a charge as enrollment or setup does not bypass the condition.
Completed settlement plan aggregateFees plus the aggregate settlement offers obtained may not exceed agreement-date principal when the individual completes all obligations under the agreement.§223(d)(2)(B). Preserve the completion condition and the statutory “offers of settlement” measure.

Showing five rows of the 12-row exhibit. The complete page includes every row and its limitations.

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Colorado worked examples: the creditor count and completion condition matter

The saved examples show the monthly DMP ceiling changing from $50 with six creditors to $30 with three; a completed-plan $20,000 baseline minus $17,000 offers leaves $3,000 aggregate headroom, and $1,000 previously paid leaves $2,000.

Saved comparison

saved exampleinputscalculationsaved result
D.1 Example 1$1,000 debt; 2 remaining creditorsmin($10 × 2, $50)$20 monthly ceiling; setup ceiling separately $50
D.1 Example 26 remaining creditors, then 3min($60, $50); min($30, $50)$50, then $30
D.1 Example 5$20,000 agreement-date principal; $17,000 offers; completion stipulated; $1,000 prior fees$20,000 − $17,000 = $3,000; $3,000 − $1,000$2,000 remaining headroom, not a payable fee
D.1 Example 6$1,000 principal; $800 offer; assumed $250 fee$800 + $250 = $1,050; $1,050 − $1,000$50 exceeds the stipulated aggregate boundary
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Provider registration charges are not consumer fees

The saved posted-fee table shows $1,500 counseling and $5,000 settlement/both for each initial or renewal category. These are provider-to-regulator charges, while a historical rule says $1,000.

5. Administrative registration/renewal fees: amounts verified; dated establishment still unresolved

ActivityPosted initial registration feePosted renewal feeEvidence
Credit counseling$1,500$1,500Registration page fee section; application p.1
Debt settlement$5,000$5,000Same
Both activities$5,000$5,000Application expressly says both counseling and settlement; webpage labels its combined category “Both Credit Counseling and Debt Management”
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IN THE EVIDENCE

Selected recorded findings

These narrow findings retain the saved source and check status. Conditions and capture dates matter; this is not a whole-subject or jurisdiction acceptance.

S_CO-P1-C020 · captured 2026-10-23

Principal-reduction fees cannot be requested/received until an executed settlement, at least one creditor/collector payment, and applicable-rule compliance.

Conditions and limits: Verified state trigger. A savings deposit or provider payment alone does not meet it.

Recorded check: selected support checked with recorded scope limits

S001 §223(d)(2)(A)(i)–(iii); §228(a)(2)

Source links: olls.info · olls.info · olls.info

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S_CO-P1-C021 · captured 2026-10-23

For a consumer completing all agreement obligations, fees plus aggregate settlement offers obtained cannot exceed agreement-date principal.

Conditions and limits: Verified. Do not erase completion condition or replace statutory offer measure with an unsupported measure.

Recorded check: selected support checked with recorded scope limits

S001 §§202(14), 223(d)(2)(B)

Source links: olls.info · olls.info · olls.info

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Read every research component

S_COpass-01

SCO Colorado provider market access and consumer fees

Inside: A. Substantive findings · 1. Classification: what conduct Colorado regulates · 2. Market access, exclusions, and failure cases

8 tables37 claim records23 source recordsScoped review · limits applyCaptured 2026-10-23
S_COpass-02

Rule 4, education-fee refund language, and administrative fee authority

Inside: Rule 4, education-fee refund language, and administrative fee authority · A. Substantive findings · 1. Official final Rule 4: identified, but its body remains held

9 tables14 claim records12 source recordsScoped review · limits applyCaptured 2026-10-23
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