Debt Collection Harassment (FDCPA)
Know your rights under the FDCPA and state law.
The FDCPA prohibits abusive, deceptive, or unfair collection practices. State laws often provide additional protections. If a collector violates these rules, you may recover statutory damages and fees.
FDCPA Red Flags
- Repeated calls intended to harass
- Threats of arrest or criminal action
- Contacting your workplace after being told not to
- Misstating the amount owed
- Discussing your debt with third parties
What to Do
- Keep call logs and voicemails
- Request written validation of the debt
- Send a written cease-and-desist if needed