Harassing debt collectors can make life stressful, but the law is on your side. Here’s how to protect yourself.
What Is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, unfair, or deceptive debt collection practices. Collectors must follow strict rules when contacting you.
Common Violations
- Calling before 8am or after 9pm
- Repeatedly calling to harass or annoy
- Threatening legal action they can’t take
- Failing to send written validation of the debt
- Contacting you at work after being told not to
What to Document
- Dates, times, and content of all calls
- Names and phone numbers of collectors
- Voicemails and written communications
- Any threats or abusive language
Practical Checklist
- Keep a call log
- Save voicemails and letters
- Send a written request to stop contact if desired
- Report violations to the Consumer Financial Protection Bureau (CFPB)
Taking Action
If you’re experiencing harassment, you have the right to demand it stop. Document everything and consult a consumer law attorney to protect your rights.
Getting harassed by debt collectors? Ginsburg Law Group can help you understand your options and fight back.
