Debt Consolidation in Colorado: Registered Services and Fee Examples

Which Colorado service is being offered?

The Attorney General’s debt-management consumer resource distinguishes credit-counseling repayments from settlement deposits. It provides registration guidance and a Consumer Credit Unit license-holder search. Identify the mechanism and provider before interpreting a monthly amount as money reaching creditors.

Official source: Colorado Attorney General: Debt Management, Consumers. Checked October 23, 2026.

How does Colorado’s counseling monthly-fee example work?

The official guidance states a credit-counseling monthly fee of $10 times the number of debts remaining in the plan, capped at$50 in a month. The calculation below illustrates that guidance as checked October 23, 2026. It is not a provider quote, an interest-rate limit or a fee rule for every debt-relief activity.

Official source: Colorado Attorney General: Allowable counseling fees. Checked October 23, 2026.

What should Colorado consumers receive and verify?

The resource describes written disclosures, a financial analysis and budget, an agreement copy and monthly accounting statements. It links the Credit and Debt complaint route. Compare actual disbursements and charges with the written plan; creditor participation and any proposed outcome should not be assumed from registration alone.

Official source: Colorado Attorney General: Disclosures, records and complaint guidance. Checked October 23, 2026.

What does the published monthly-fee formula produce?

The Colorado examples apply to the Attorney General’s stated credit-counseling monthly-fee guidance and use the number of debts remaining when the fee is assessed. The arithmetic below is a ceiling illustration, not an invoice or a statement that the provider is entitled to charge the maximum. Other requirements, exceptions and applicable law must also be reviewed. Loan interest, loan origination charges and creditor payments are different amounts.

Ask the agency and provider how the actual service and fee structure fit the current provisions. A current schedule must be rechecked before using this dated illustration. It does not apply to every settlement or lending arrangement.

Which record should you verify before paying or borrowing?

1. Use the debt-management provider search for the applicable service.
2. Check debts remaining when interpreting the counseling monthly-fee formula.
3. Keep the written analysis, agreement and monthly accounting statements.

If the provider is a lender, the Colorado personal-loan resource guide and 50-state lending directory explain lending categories. They are not a universal license check for debt-management or settlement services.

How should you compare the payment and full repayment?

State-specific service guidance does not establish an available loan rate or eligibility. Our national mathematical examples below provide the same $12,000 net proceeds with a 3% fee withheld from gross principal at a fixed 15% nominal annual rate. The figures are not Colorado offers, rate limits or local market observations.

The fee is financed inside gross principal; the nominal rate is not fee-inclusive APR. Use the original data and methodology for the assumptions, payment calculator for a basic estimate, and DTI overlap worksheet and cash-budget stress test for different affordability questions.

What are the scope and update limits?

This resource synthesizes the linked official guidance as checked October 23, 2026. It does not decide a company’s license, exemption, legal compliance or availability to a particular borrower. Financial-service categories and fee schedules can change; use the agency’s current instructions for the actual business and contract. Calculations use the published version 1.0.0 dataset, independently checked before publication.

Return to the debt-consolidation master guide, requirements and payoff matrix, balance-transfer comparison or debt-management comparison. Borrow Your Loan is a connection service, not the lender. Read editorial policy and commercial disclosure.