No one likes getting a message from a bill collector — especially if it’s from the federal government, and at Christmas time.
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Yet that’s the predicament for hundreds of people who are still trying to rebuild their lives from Colorado’s historic flooding, more than a year after the fact.

Nearly 250 flood victims have gotten what are known as recoupment letters from the Federal Emergency Management Agency (FEMA). The letters demand payback for government checks victims received following the 2013 floods, which caused an estimated $2 billion in property losses across more than 2,000 square miles.