DEBT COLLECTION HARASSMENT LEGAL HELP
They Can\'t Treat You
Like That. It\'s Illegal.
Our attorneys stop illegal debt collector harassment and pursue statutory damages
under the Fair Debt Collection Practices Act — at no cost to you if we win.
Free case review — no obligation, no upfront fees.
Debt collectors may owe YOU up to $1,000 per FDCPA violation.
FDCPA attorneys in all 50 states.
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Debt Collection Harassment Lawyer
Debt Collectors Have Strict Rules They Must Follow. When They Don't, They Owe You Money.
The Fair Debt Collection Practices Act (FDCPA) is one of the strongest consumer protection laws on the books — and one of the most frequently violated. Debt collectors are prohibited from calling before 8am or after 9pm, contacting you at work after being told not to, using threats or abusive language, misrepresenting the amount owed, contacting you after you've sent a written cease-and-desist, and pursuing debts that aren't legally yours. Many do all of these things routinely, counting on consumers not knowing their rights.
When a debt collector violates the FDCPA, you are entitled to statutory damages of up to $1,000 per lawsuit — regardless of whether you suffered any actual financial harm. You can also recover actual damages (emotional distress, lost wages from harassment at work) and attorney fees. In many cases, the collector pays all legal costs. A free case review identifies which violations occurred and what you can recover.
Free consultation. The collector may pay your legal fees. FDCPA attorneys in all 50 states.
No retainer required to start.
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Free Case Review — No Obligation
Fair Debt Collection Practices Act (FDCPA) Specialists
Debt Collection Attorneys in All 50 States
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⚠️ Debt Collector Behaviors That Violate Federal Law
If Any of These Have Happened to You, You May Have an FDCPA Claim
Called before 8am or after 9pm in your time zone
Called your workplace after you told them your employer doesn't allow such calls
Threatened arrest, lawsuit, wage garnishment, or other action they have no legal right or intention to take
Used profane, abusive, or threatening language during calls
Continued contacting you after you sent a written cease-and-desist letter
Claimed you owe more than the actual debt, or added unauthorized fees or interest
Contacted third parties (family, neighbors, coworkers) about your debt beyond what's permitted
Failed to provide verification of the debt when you requested it in writing
A free case review identifies every FDCPA violation and calculates what the collector may owe you.
FDCPA Violations We Handle
Every Category of Illegal Debt Collection Conduct
Illegal Call Times & Frequency
Calls before 8am or after 9pm. Repeated calls intended to harass. Calling after being told to stop. Each call in violation is a separate FDCPA violation.
False Threats
Threatening arrest, criminal prosecution, immediate lawsuit, or wage garnishment when the collector has no legal authority or intention to take that action.
Misrepresentation of Debt
Claiming you owe more than you do, adding unauthorized interest or fees, misrepresenting the collector's identity, or claiming to be a law firm or government agency when they're not.
Contact After Cease-and-Desist
Continuing to call, write, or contact you by any means after receiving your written request to stop — one of the clearest FDCPA violations and easiest to prove.
Third-Party Contact
Discussing your debt with family members, neighbors, coworkers, or employers beyond what the FDCPA strictly permits — designed to embarrass or pressure you.
Time-Barred Debt Collection
Attempting to collect a debt past the statute of limitations — or filing suit on time-barred debt — without properly disclosing that the debt is too old to be legally enforced.
Failure to Verify Debt
Failing to stop collection and provide written verification of the debt within 30 days when you requested it in writing during the dispute window.
Collection of Debt Not Owed
Pursuing a debt that was discharged in bankruptcy, belongs to someone else, resulted from identity theft, or has already been paid and settled.
Unauthorized Lawsuits
Filing suit in the wrong venue, suing on time-barred debt, or using the courts as a harassment tool — all actionable under the FDCPA and related state laws.
What an FDCPA Attorney Does — and What It Costs You
In Many Cases, the Debt Collector Pays All Legal Fees
Violation Assessment
Reviews the full collection history — call logs, letters, voicemails, and any written communications — to identify every FDCPA violation and calculate potential damages.
Cease-and-Desist Letters
Sends an attorney cease-and-desist letter that legally obligates the collector to stop all contact. Any contact after receipt is a clear, easily provable FDCPA violation.
FDCPA Litigation
Files suit against the collector in federal court. Statutory damages up to $1,000 per lawsuit, actual damages, and mandatory attorney fee recovery from the defendant.
CFPB & FTC Complaints
Files complaints with the Consumer Financial Protection Bureau and FTC — adding regulatory pressure and creating an official record of the collector's conduct.
No Cost in Successful Cases
The FDCPA requires the collector to pay your attorney fees if you win. In most FDCPA cases, you pay nothing out of pocket — the collector covers all legal costs.
Debt Validation
Demands full verification of the debt's validity, ownership chain, and amount — exposing collectors who are pursuing debts they can't prove or have no legal right to collect.
⚖️ Your Legal Service Options
Free Consultation — and in Most FDCPA Cases, the Collector Pays
Legal Plan
From $26.95/Month
Ongoing attorney access covering debt collection disputes plus all other personal and family legal matters. No retainer, no hourly fees for covered services.
Best for: Ongoing legal protection, families, multiple legal needs.
Flat-Fee Service
One Price Per Matter
Attorney cease-and-desist letter and debt validation demand — quoted upfront, no hourly billing. Often stops harassment immediately.
Best for: Stopping harassment quickly, debt validation, one-time response.
FDCPA Litigation
Collector Pays Your Fees
Sue the collector for FDCPA violations. Up to $1,000 statutory damages plus actual damages. The FDCPA requires the collector to pay your attorney fees if you win.
Best for: Clear violations, ongoing harassment, maximum recovery.
Why Request Legal Service
FDCPA Debt Collection Attorneys. All 50 States. Free Consultation.
FDCPA Specialists
Attorneys who handle FDCPA cases exclusively — experienced in collector tactics, violation documentation, and maximizing recovery for harassment victims.
Collector Pays in Most Cases
The FDCPA's attorney fee provision means the collector — not you — pays legal costs in successful cases. Most FDCPA clients pay nothing out of pocket.
10-Minute Callback
Submit your details and a legal representative calls back within 10 minutes during business hours to review the collection activity and identify violations.
All 50 States
Many states have their own debt collection laws that provide additional protections and larger damages beyond the federal FDCPA minimum. A state-licensed attorney knows both.
Stops the Calls Fast
An attorney cease-and-desist letter typically stops collection calls immediately. Any contact after receipt is a provable FDCPA violation that strengthens your case.
Confidential from the First Call
All case details stay protected. Attorney-client privilege applies from your first consultation regardless of which service model you choose.
❓ Common Questions About Debt Collection Harassment
"I actually owe the debt — does that mean I have no rights?"
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Absolutely not. The FDCPA applies regardless of whether the debt is valid. Even if you legitimately owe the money, the collector must follow strict rules about how, when, and to whom they can communicate. Owing a debt does not give collectors the right to threaten, lie, harass, or call at prohibited times. The violations are separate from the underlying debt.
"Do I need to keep records of the calls?"
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Yes — start now if you haven't. Log every call with the date, time, and what was said. Save all letters and voicemails. If you can legally record calls in your state, do so. This documentation is what turns your experience into a provable FDCPA case. An attorney can advise on what evidence is most important to preserve.
"What if I send a cease-and-desist and they still call?"
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Every contact after a written cease-and-desist is a separate FDCPA violation. This is one of the clearest and easiest violations to prove. An attorney cease-and-desist letter carries additional legal weight — collectors know that an attorney is monitoring compliance — and any post-receipt contact becomes immediate grounds for litigation.
"The collector threatened to sue me — is that legal?"
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Threatening legal action the collector has no intention of taking, or has no legal right to take, is an FDCPA violation. If the debt is time-barred, if the collector doesn't own the debt, or if the threat is used purely as a pressure tactic without actual intention to file, it violates the law. A case review can assess whether the threat was a genuine legal notice or an illegal scare tactic.
"Can I sue even if I only have one or two violations?"
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Yes. The FDCPA provides up to $1,000 in statutory damages per lawsuit — not per violation — regardless of actual harm. Even a single clear violation is enough to bring a successful FDCPA claim. Multiple violations increase actual damages and may support additional recovery. A free case review assesses whether the violations documented are sufficient to proceed.
"The collector is calling about a very old debt — do I still have rights?"
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Yes — and the FDCPA applies fully regardless of how old the debt is. Additionally, if the debt is past the statute of limitations in your state, the collector must disclose that the debt is too old to be enforced through the courts. Failing to make that disclosure, or filing suit on time-barred debt without disclosure, is itself an FDCPA violation.