Debt buyers and aggressive collectors count on you not fighting back. Flatiron’s Colorado debt defense team helps you respond, defend, and (when applicable) recover damages.
You answer your door and there’s a process server. You check the mail and find a summons. Your bank account has been frozen by a writ of garnishment. Your wages are being garnished. A debt buyer you’ve never heard of is suing you for thousands of dollars on an old credit card. Whatever brought you here, you have rights and you have options—but the clock is already running.
At Flatiron Legal Advisors, our Colorado debt defense attorneys help individuals and small businesses fight unfair collection lawsuits, defend against debt buyers, negotiate workable resolutions, and protect what you have. We know Colorado collection law and Colorado courts, and we know the collection industry’s playbook.
Original creditors and debt buyers (junk debt buyers, JDBs) sue Coloradans on credit card debts constantly. Many lawsuits have proof problems—the plaintiff can’t actually prove they own the debt, can’t produce the original contract, can’t establish the balance, or relies on hearsay-based “robo-affidavits.” We probe these weaknesses and either win cases outright or negotiate favorable settlements.
Medical bills often have billing errors, insurance issues, or charity care obligations. Hospital lawsuits can also raise specific defenses under federal and Colorado law. We pursue these defenses and challenge improper medical debt litigation.
Colorado generally has a 6-year statute of limitations on most debts. Lawsuits filed after that period are barred—but you have to raise the defense. We assert statute of limitations defenses and protect clients from collection of expired debts.
Colorado limits wage garnishment, including protections for low-income workers and certain types of income (Social Security, VA benefits, child support received). When garnishment is improper or excessive, we move to vacate or reduce it.
Many funds in your bank account are exempt from garnishment under Colorado and federal law. We file claims of exemption and move quickly when accounts are wrongly frozen.
The federal Fair Debt Collection Practices Act and Colorado’s Fair Debt Collection Practices Act prohibit abusive, deceptive, and unfair collection practices. Violations entitle you to statutory damages, actual damages, and attorney fees. We pursue FDCPA claims when collectors break the rules.
If you didn’t answer a lawsuit, a default judgment may have entered. Colorado allows motions to set aside defaults in many cases, especially if service was improper or you have a meritorious defense.
Sometimes the right move is to negotiate. We handle debt settlements with attention to tax consequences (1099-C income), credit reporting, and ensuring settlements actually close the matter.
Don’t ignore it. Default judgments enter quickly. Failure to respond means automatic loss.
Don’t admit anything. Calls from collectors are often recorded. Statements you make can be used against you.
Don’t make a payment without thinking. A small payment can reset the statute of limitations on an old debt.
Talk to an attorney before the answer deadline. In Colorado, you typically have 21 days to answer a lawsuit. Acting before that deadline preserves your options.
We know the collection industry. The same plaintiffs file thousands of cases. The same proof problems appear repeatedly. We know what to look for.
Honest cost assessment. Sometimes fighting is the right answer. Sometimes settling is. We tell you what your case is actually worth.
FDCPA recovery. When collectors violate the rules, we recover damages and fees for clients—often turning a debt case into a net positive.
If you’ve been served, garnished, or contacted about a debt, contact us today. The deadlines move fast; our consultation is free and confidential.
Typically 21 days from service. Missing this deadline often results in a default judgment. Contact a Colorado debt defense attorney before the deadline.
Colorado generally allows 6 years to sue on most debts. Lawsuits filed after this period are barred — but you must raise the defense. We assert statute of limitations defenses regularly.
Yes, with limits. Colorado caps garnishment based on income. Certain income (Social Security, VA benefits, child support received) is fully exempt. We move to reduce or vacate improper garnishments.
The Fair Debt Collection Practices Act prohibits abusive collection practices. Violations entitle you to statutory damages up to $1,000, actual damages, and attorney fees. We pursue FDCPA cases regularly.
Often, yes — especially if service was improper, you have a meritorious defense, or you acted promptly after learning of the judgment. We move to vacate defaults when grounds exist.
