Debt Collector & Collection Agency Harassment
Understand what constitutes illegal collection harassment and creditor harassment — and the steps you can take to protect yourself under federal law.
Definition
What Is Debt Collector Harassment?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt.
Section 1692d of the FDCPA specifically addresses harassment and abuse, and Regulation F (implemented by the CFPB in 2021) added further guidelines including call frequency limits.
Illegal Behavior
Examples of Illegal Harassment
These behaviors by debt collectors are prohibited under federal law.
Excessive Calling
Calling more than 7 times within 7 days about a single debt, or calling within 7 days of having a phone conversation about that debt.
Threats & Intimidation
Threatening violence, criminal prosecution, arrest, wage garnishment without court judgment, or any action they cannot legally take.
Abusive Language
Using obscene, profane, or abusive language. Any communication designed to humiliate or belittle you may constitute a violation.
Contacting Third Parties
Discussing your debt with neighbors, coworkers, friends, or extended family. They may only contact third parties once to obtain your location.
Calling at Improper Times
Contacting you before 8:00 AM or after 9:00 PM in your local time zone unless you have given permission.
Workplace Calls
Contacting you at your place of employment if they know or have reason to know that your employer prohibits such communications.
Collector Spotlight
Recognizing Common Debt Collection Agencies
Many consumers report harassment from these well-known collection agencies. If you are receiving calls from any of the numbers listed below, you may be dealing with one of these companies.
Portfolio Recovery Associates
One of the largest debt buyers in the U.S., purchasing defaulted debts from credit card companies and other lenders. Subject to a major CFPB enforcement action in 2015.
Reported Phone Numbers
Thunderbird Collections
A third-party debt collection agency. Consumers have reported repeated calls and failure to provide adequate debt validation.
Reported Phone Numbers
Diversified Consultants, Inc.
Based in Jacksonville, FL, collects on behalf of telecom companies including AT&T and DirecTV. Consumers frequently report excessive calling and harassment.
Reported Phone Numbers
Wakefield Payment Solutions
Also known as Wakefield & Associates. Collects medical and utility debts. Reports of excessive call frequency and improper third-party contact are common.
Reported Phone Numbers
Phone number associations are based on consumer reports and may change. This information is for educational purposes only. Not legal advice.
Take Action
How to Document Harassment
Documentation is critical if you believe a debt collector is harassing you.
Report It
Where to Report Debt Collector Harassment
Consumer Financial Protection Bureau (CFPB)
consumerfinance.gov/complaint
The primary federal agency for consumer financial complaints.
Federal Trade Commission (FTC)
ReportFraud.ftc.gov
Reports unfair business practices to federal authorities.
Your state attorney general
Most states have consumer protection divisions that handle these complaints.
Better Business Bureau (BBB)
While not a government agency, complaints may prompt a response from the collector.
Legal Remedies
Potential FDCPA Remedies
Consumers who experience harassment may be entitled to:
Up to $1,000
Statutory damages per lawsuit
Actual damages
For financial and emotional harm
Attorney's fees
Plus court costs
Many consumer protection attorneys handle FDCPA cases on a contingency basis.
Experiencing Harassment from Debt Collectors?
Document the harassment and request a free information review. Learn about your rights and what steps you can take.
Get Free Information ReviewNot legal advice. Not a law firm. Disclaimer