Colorado law allows you to recover up to three times what you paid if your debt settlement company charged unauthorized fees. Find out if you have a claim — it costs nothing.
Debt Settlement Claims is a Colorado law firm (Lars Johnson and Associates, LLC). We don't sell debt settlement or debt relief — we represent you in legal claims against the companies that charged you unlawful fees.
Get Your Free Case EvaluationBefore you cancel — or if you already have — know your rights. Colorado law protects consumers on the way out of debt settlement programs, and how you leave can affect what you recover.
Colorado law protects your right to walk away from a debt settlement program. Money you deposited that hasn't been paid to creditors or lawfully earned as fees belongs to you, and the law limits what a company may charge you on the way out.
Colorado law strictly limits when debt settlement companies may charge fees. If your program collected fees it wasn't entitled to, you may be able to recover them — including up to three times what you paid.
Leaving the program does not erase your claims. If you paid unlawful fees while enrolled, you may still recover them after you cancel — even if your account is closed.
We're a Colorado law firm. We help consumers exit these programs safely — take control of your account, stop unauthorized withdrawals, and pursue every dollar the law says you're owed. The review is free and confidential.
Lars has won cases like yours. He has litigated claims against debt settlement companies for over ten years — in bankruptcy court, federal district court, and the Tenth Circuit Court of Appeals. He evaluates every case personally and handles each matter from intake through resolution.
All information is confidential.
Thank you — I've received your information and will review it within one to three business days. If you uploaded documents, they're already in our hands. If not, watch your inbox — we'll email you a secure link to upload your agreement, ledger, or statements. Questions in the meantime? Call (720) 918-3230 or email info@debtsettlementclaims.com.
We handle everything. You approve every decision.
Fill out the form above. We review your case within one to three business days and let you know if you have a claim.
We analyze your agreement and fee history, identify every violation, and prepare your claim. You provide a few documents — we do the rest.
We pursue your recovery through arbitration or litigation. You approve any settlement before it is accepted. We only get paid when you do.
Colorado law strictly limits the circumstances under which debt settlement companies can charge you fees. Many programs violate these limits. If yours did, you have a claim.
Colorado law restricts when and how debt settlement companies can collect fees from your account. If your program took unauthorized fees, you could recover statutory damages — including up to three times the total amount you paid into the program.
Some debt settlement programs operate as purported law firms or bundle "legal protection" into your fees, but this facade does not automatically exempt the program from liability. Colorado law prohibits certain bundled charges, and violations may entitle you to significant damages.
Colorado strictly limits the circumstances under which debt settlement companies can charge fees. Unauthorized fees are common. We review your agreement and fee history to make that determination. The screening is free and takes about one to three business days.
Generally, yes — Colorado law protects your right to leave, and money in your dedicated account that hasn't been paid to creditors or lawfully earned belongs to you. But how you exit matters: fees you already paid may be refundable, and the company may owe you more than it returns on its own. Before you cancel — or right after — a free review takes minutes and can tell you what you're actually owed.
Often, yes. Canceling doesn't waive your legal claims. If the program collected fees Colorado law didn't allow while you were enrolled, you may still recover them — including up to three times what you paid — subject to the time limits that apply to your claim.
Nothing out of pocket. We don't get paid until you get paid. If there is no recovery, you owe us nothing — not for fees, not for costs.
If we recover money for you, our fee is one-third of the recovery after reimbursement of the case costs we advanced, plus statutory attorney fees that Colorado law requires the company — not you — to pay. Because the fee depends on the amount recovered, the total price of our services cannot be determined in advance. The engagement agreement includes the full total-price disclosure required by Colorado law, C.R.S. § 6-1-737, identifying the factors that will determine the final amount.
Yes. These claims have been litigated and won in federal court in Colorado. Every case is different, but the legal theories we apply have been tested and upheld.
Pursuing a claim means ending your relationship with the debt settlement company. We help you take control of your account and any active creditor payments. We explain exactly what to expect before you sign anything.
We will get to work immediately to get you a recovery as soon as possible. Some cases settle quickly after we file — sometimes in a matter of weeks. Others go through the full arbitration process, which can take several months. We keep you updated throughout and you approve any settlement before it is accepted.
No problem. If you have them handy, you can upload your agreement, ledger, or statements right on the form above. If not, just submit — we'll email you a secure link to upload whenever you're ready. And if you can't find them at all, we can still evaluate your claim and walk you through what is needed.
Free evaluation. No obligation. Completely confidential.
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