FDCPA Claims — Stop Debt Collector Harassment
The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive, deceptive, and unfair debt collection practices. If a collector has crossed the line, you may have a claim — and a consumer protection attorney can help you fight back.
Common FDCPA Violations
Debt collectors break the law more often than most consumers realize. These are signs you may have an FDCPA claim.
Harassing Calls
Collectors calling repeatedly, before 8am or after 9pm, or at work after you've asked them to stop.
Threats & Intimidation
Threatening arrest, violence, wage garnishment they can't legally pursue, or legal action they don't intend to take.
Third-Party Contact
Contacting family, friends, neighbors, or coworkers about your debt — except to get your contact information.
False Representation
Pretending to be attorneys, government officials, or misrepresenting the amount or legal status of your debt.
What the FDCPA Covers
The FDCPA is a federal law that limits how third-party debt collectors can pursue consumer debts — including personal, family, and household debts like credit card balances, medical bills, and personal loans. It does not cover business debts or original creditors collecting their own accounts.
Under the FDCPA, collectors must validate your debt, respect your request to cease communication, and avoid deceptive or abusive tactics. When they violate these rules, a consumer protection attorney can help you document the violations and pursue the legal leverage you're entitled to.
Successful FDCPA claims can result in the collector paying statutory damages, actual damages, and attorney's fees — and a consumer protection attorney can help you pursue the leverage you're entitled to.
You have rights. The moment you understand them, collectors lose their leverage. Start with a free, confidential review to see if your situation qualifies.
Experiencing Collector Harassment?
See if your situation qualifies as an FDCPA violation. Free, confidential review — leverage state and federal protections to fight back.
See If You Qualify