So my questions; Did Quest actually violate 15 USC sec 45?
Response 1: Yes. It is unfair and deceptive act and practice for Quest to tell you that they accept all insurance without telling you that they are not PCP and therefore you would be hit with this high bill. This would also be a violation of Colorado Consumer Protection Act. See Colorado Revised Statutes Sections 6-1-101 through 6-1-115.
Did they violate any other federal or local statues or regulations?
Response 2: Colorado Consumer Protection Act. See my first response.
Which government agency, (local, state, or federal), might help?
Response 3: Colorado Attorney General's Office, Consumer Protection Division.
Is my trepidation with Small Claims court unfounded?
Response 4: Yes. Quest would also be concerned about Attorney's fees and will be less inclined to take the case to a federal Court. However, you may in the alternative not pay the bill and just let them send the account to collections and then file lawsuit against you. You can then respond to the lawsuit and also file a counterclaim against them.
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