Stop Collector Harassment.
The Fair Debt Collection Practices Act makes abusive collection tactics illegal. Statutory damages up to $1,000. Attorneys’ fees paid by the collector.
What the FDCPA protects you from
The FDCPA is a federal law that limits what third-party debt collectors can do when trying to collect a debt. It does NOT apply to original creditors collecting their own debts, but it covers most of the aggressive tactics that consumers experience — because most collection is handled by third-party collectors, debt buyers, or collection law firms.
If a collector violates the FDCPA, you can sue and recover damages. The law is specifically designed to make these claims economically viable for consumers: attorneys’ fees are paid by the collector when you win.
Common violations we pursue
Repeated / harassing calls
Multiple calls per day. Calls at odd hours. Calls intended to annoy or abuse. The FDCPA specifically prohibits this pattern of conduct.
Calls at work after you asked them to stop
If you’ve told the collector your employer does not allow personal calls, continued workplace calls are a violation.
Threats of arrest, criminal charges, or lawsuits that won’t happen
Debt collection is civil, not criminal. Threatening arrest is a misrepresentation. Threatening a lawsuit the collector doesn’t intend to file is also a violation.
Contact after written cease-communication request
Once you send a written request telling the collector to stop contacting you, they must stop (with narrow exceptions). Contact after that is a violation.
Misrepresenting the debt
Falsely stating the amount. Claiming the debt is legally enforceable when the statute of limitations has run. Saying you owe a debt that isn’t yours.
Telling third parties about your debt
Disclosing your debt to family, friends, neighbors, or coworkers. Leaving voicemails that identify the debt. Posting about it publicly.
Abusive or profane language
Profanity, slurs, threats of violence — any conduct intended to harass, oppress, or abuse.
What you can recover
- •Statutory damages up to $1,000 per lawsuit — regardless of whether you suffered any out-of-pocket loss.
- •Actual damages for emotional distress, lost wages, missed work, or other harm caused by the harassment.
- •Attorneys’ fees and court costs paid by the collector. You pay nothing out of pocket.
What to do right now
- Start saving evidence today: call logs, voicemails, texts, letters, envelopes.
- Write down what was said on calls: date, time, who you spoke to, exactly what they told you.
- Don’t admit the debt is yours. Any admission can be used against you later.
- Submit a free case review. We’ll tell you whether there’s a viable FDCPA claim and what evidence we need.
Response within one business day. No up-front cost. Contingency-based representation.