| DMP setup | Up 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 service | Up 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 cap | Section 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 fee | No 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 aggregate | Fees 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. |
| Fixed numerical settlement percentage | No current fixed percentage ceiling was established from the verified current primary text. | Do not use 18%, 20%, 25%, or another commercial rate as a verified Colorado cap. Full current Rule 4 remains a primary-text hold. |
| Education/counseling after assent to a provider agreement | Generally no separate charge. The administrator may authorize a fee based on the nature and extent of the services; §228(d) also matters. | No particular provider’s authorization or approved amount was verified. |
| DMP plus settlement fee stacking | Fees may not be imposed or received under both §223(d)(1) and §223(d)(2). | §223(d)(3). |
| Dishonored consumer payment | Reasonable charge no greater than the lesser of $25 and the amount permitted by other law. | $25 is not automatic authorization; the other-law ceiling and reasonableness must also be satisfied. |
| “Voluntary” contribution | May not be solicited from the individual or affiliate. Accepted contributions count toward the permitted aggregate through 30 days after plan completion or termination. | §224 prevents using contributions to exceed ordinary limits during that period. |
| Settlement-fee financing | Deferral is permitted only at no additional expense to the individual. | §228(b)(3). |
| Unrelated products and referral compensation | Restrictions cover unrelated insurance, clubs, coupons, computer access, and specified compensation for arranging credit or other services. | §§228(b)(7), 228(d); the latter includes a government-program education/counseling exception. |