The most effective way to ensure that Coloradans are not hounded for debts they do not owe, have contested, or paid off is to require debt collectors meet a “proof of debt” standard before attempting any collection action.
America faces a retirement crisis, as a substantial number of working families are not saving enough to meet their needs in retirement.
Raising the costs on supervised loans and credit sales forces hard-working Colorado families, many whose credit histories are damaged by the Great Recession, to pay more for no justifiable reason.
Allowing Coloradans to split their state income tax refunds and directly deposit a portion into several accounts would encourage savings overall and help low- to moderate-income families build wealth.
Today, almost 900,000 Colorado private-sector workers in their prime working years are not participating in traditional pensions or 401(k)-type retirement savings plans at work.
In Colorado, nearly 1 million private-sector workers in their prime working years do not participate in either traditional pension plans or 401(k)-type defined contribution plans at work.
PERA is the retirement system for state and local government employees, including teachers. It is the only retirement program for these employees, virtually all of whom do not participate in or receive Social Security benefits.
