FDCPA Violations — Debt Collector Harassment Attorneys

I.

The Statute

What the FDCPA Does

Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1977 to stop abusive behavior by third-party debt collectors. It applies to collection agencies, debt buyers, and collection law firms — not to original creditors collecting their own debts.

When a collector breaks the FDCPA, the law lets you sue and recover:

Statutory damages up to $1,000 per consumer 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 — meaning you don’t pay us out of pocket

II.

What Collectors Cannot Do

Common FDCPA Violations

If any of these sound like what’s happening to you, there’s likely a viable FDCPA claim:

Harassing phone calls

Repeated calls with the intent to annoy, abuse, or harass. Multiple calls per day. Calls at odd hours.

Calls at work

Continuing to call your workplace after you’ve said your employer doesn’t allow it, or calling colleagues to pressure you.

False threats

Threatening arrest, criminal charges, wage garnishment, or lawsuits that won’t actually happen. Threats of violence.

Contact after cease letter

The FDCPA says collectors must stop contacting you once you send a written cease-communication request. Many keep calling anyway — that’s a violation.

False amount or status

Misrepresenting how much you owe. Telling you the debt is legally enforceable when the statute of limitations has run. Claiming you owe a debt that isn’t yours.

Third-party disclosure

Telling your family, neighbors, or employer about your debt. Posting to social media. Leaving voicemails that disclose the debt.

Abusive language

Profane, obscene, or insulting language. Racial slurs. Anything designed to humiliate or degrade.

Calls before 8am or after 9pm

The FDCPA bars calls outside 8am–9pm local time unless you’ve given express prior consent.

III.

The Process

How We Enforce Your Rights

Case review. You submit the facts — what the collector is doing, how often, and when. A licensed attorney reviews and confirms whether a claim is viable.
Evidence preservation. We tell you what to save: call logs, voicemails, texts, letters, envelope postmarks.
Demand and response. In most cases we begin with a demand letter to the collector. Many collectors settle fast because litigation costs them more than a settlement would.
Litigation if needed. When a collector refuses to settle on reasonable terms, we file in federal court. The FDCPA is designed to make these suits economically viable for consumers via fee-shifting.
Recovery for you. Statutory damages, actual damages, and — critically — attorneys’ fees paid by the collector, not by you.

Stop Debt Collector Harassment