Tired of Debt
Collector Calls? Know Your Rights.

The FDCPA is a federal law (15 U.S.C. § 1692 et seq.) that restricts the practices of third-party debt collectors. It prohibits harassment, false statements, and unfair practices in debt collection. Consumers who experience violations may have legal remedies available to them.

Under the FDCPA, you have the right to send a written request asking a debt collector to cease communication. Once they receive your request, they must stop contacting you, with limited exceptions such as notifying you of specific legal actions.

When you submit your information through our form, we review the details you provide and may follow up with you to discuss your situation and provide educational resources. There is no obligation, and no attorney-client relationship is formed through this website.

Many consumer protection attorneys handle FDCPA cases on a contingency basis, meaning the consumer typically does not pay out-of-pocket legal fees. Under the FDCPA, successful plaintiffs may recover attorney's fees from the debt collector. A licensed attorney in your state can explain the fee structure for your specific case.

Document every interaction including dates, times, and what was said. Save all voicemails, letters, and text messages. You can file complaints with the Consumer Financial Protection Bureau (CFPB) and your state attorney general. If you believe your rights have been violated, consider consulting with a licensed attorney in your state.

Yes, a debt collector or original creditor can file a civil lawsuit to collect an unpaid debt. However, they must first obtain a court judgment before taking actions like wage garnishment or bank levies. You have the right to respond to any lawsuit and raise defenses, including whether the debt is time-barred by the statute of limitations. Ignoring a lawsuit can result in a default judgment against you, so it is important to respond and seek legal advice promptly.

Yes. Under the FDCPA (15 U.S.C. § 1692k), consumers have the right to bring a private lawsuit against a debt collector who violates the Act. If successful, you may recover statutory damages of up to $1,000 per lawsuit, actual damages for financial or emotional harm, and attorney's fees and court costs. Many consumer protection attorneys handle these cases on a contingency basis. You generally have one year from the date of the violation to file suit.