Elevating Your Cash Flow in the Mile High State: Colorado Debt Recovery Guide
In Colorado’s surging economy—from the aerospace innovators in Colorado Springs to the booming tech hubs of Denver and the high-end service sectors in Aspen—working capital is the fuel for growth. However, with average Colorado household debt now exceeding $102,000 and strict new consumer protections in place, recovering that capital requires a delicate, expert hand.
Navigating the Colorado Fair Debt Collection Practices Act (CFDCPA) is no longer optional—it is a survival skill for your bottom line.
Apart from Colorado, Nexa provides 100% reputation-safe, 50-state collections with free credit reporting, litigation and bankruptcy scrubs, and zero hidden or onboarding fees. Secure – SOC 2 Type II & HIPAA compliant.
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The Colorado Legal Landscape: The 2026 Reality
Colorado is a state that rewards compliant, data-driven recovery. If you aren’t following the updated 2026 interest and reporting mandates, your debts could be rendered unenforceable.
| Debt Type | Statute of Limitations | Key Regulation |
| Written Contracts | 6 Years | C.R.S. § 13-80-103.5 |
| Medical Debt | 6 Years | SB23-093 (3% Interest Cap) |
| Oral Agreements | 3 Years | C.R.S. § 13-80-101 |
| Judgments | 20 Years | Must be renewed properly |
Strategic Compliance Note: Under SB23-093, interest on medical debt in Colorado is strictly capped at 3% per annum. Furthermore, HB23-1126 prohibits medical debt from appearing on consumer credit reports. Nexa’s proprietary “Compliance Guard” ensures your medical practice stays within these lines, protecting you from deceptive trade practice lawsuits.
Specialized Solutions for Colorado Industries
1. Medical & Dental: The “Safe Harbor” Strategy
Colorado healthcare providers are facing unprecedented regulatory pressure.
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The Problem: The reporting ban means you lose your biggest “stick” (credit score impact). Aggressive tactics now carry heavy statutory penalties.
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The Nexa Solution: We utilize Advanced Skip Tracing and Empathetic Mediation. Since we can’t “threaten” a credit score, we focus on high-touch payment plans and insurance appeals, ensuring you get paid without violating the reporting ban.
2. B2B & Tech: The 6-Year Strategic Advantage
Denver and Boulder are hubs for high-value service contracts.
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The Problem: Large-scale B2B debts often involve complex “slow-pay” excuses.
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The Nexa Solution: We offer Free Litigation & Bankruptcy Scrubs. In Colorado, wage garnishment is capped at 20% of disposable earnings (or 40x the minimum wage). We determine upfront if a debtor has attachable assets, ensuring you only invest in high-probability recoveries.
Why Colorado Businesses Choose Nexa
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Zero Onboarding Fees: We win when you win. No “setup” or “maintenance” costs.
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Free Litigation & Bankruptcy Scrubs: We scrub every account before the first call, identifying “judgment-proof” debtors so you don’t waste time or legal fees.
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Mile High Compliance: We include the mandatory CFDCPA disclosures in every communication, shielding you from the $1,500-per-violation penalties common in Colorado.
Colorado Success Stories: Real Results
Case Study 1: The “Denver Multi-Specialty Clinic”
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The Problem: $180,000 in aging receivables. The clinic was terrified of the new reporting ban and 3% interest cap.
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The Strategy: Nexa audited their A/R, implemented a compliant 3% interest schedule, and used mediation-focused outreach.
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The Result: $112,000 recovered in 6 months while maintaining a 4.9-star patient reputation.
Case Study 2: The “Boulder SaaS Provider” (B2B)
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The Problem: A $45,000 unpaid invoice from a client who moved operations to Utah.
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The Strategy: Using our 50-state reach, we tracked the client and leveraged a litigation scrub to confirm their new venture had significant liquid assets.
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The Result: Full principal recovery within 45 days.
Is Your Working Capital Trapped in the “Continental Divide”?
Don’t let your 6-year window close. Restart your Colorado Cash Flow Today.
Get a Free Colorado Recovery Analysis & Data Scrub
Frequently Asked Questions
Can I still report medical debt in Colorado?
As of 2026, most medical debt is prohibited from being reported to credit agencies. Nexa focuses on direct mediation to bypass this restriction.
What is the garnishment limit in Colorado?
Generally, it is the lesser of 20% of disposable weekly earnings or the amount by which earnings exceed 40 times the state minimum wage (currently $14.81/hr in 2026).
Do you charge for data scrubs?
No. Our litigation and bankruptcy scrubs are 100% free for our partners.
Industries We Serve in Colorado
Nexa provides compliant recovery solutions tailored for the 3% interest cap environment:
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Medical & Dental: HIPAA-safe recovery strictly adhering to the SB 23-093 interest cap.
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Tech & B2B: High-value invoice recovery for the Denver/Boulder innovation corridor.
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Outdoor & Recreation: Specialized collections for gear suppliers, outfitters, and resorts.
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Construction: Managing mechanics liens and contractor revenue statewide.
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Professional Services: Fee recovery for legal, accounting, and consulting firms.
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Small Business: Protecting local retail and service provider cash flow.