Dealing with debt is stressful enough—harassment from collectors shouldn’t be part of the process. The Fair Debt Collection Practices Act (FDCPA) gives you powerful rights. Here’s how to protect yourself.
What Collectors Can’t Do
- Call you before 8am or after 9pm
- Contact you at work if you say not to
- Threaten, use obscene language, or lie about what you owe
- Contact friends or family about your debt
What to Document
- Dates and times of all calls/letters
- Names and numbers of collectors
- Any abusive or threatening language
- Letters or voicemails received
Practical Checklist
- Tell collectors (in writing) to stop contacting you
- Save all correspondence
- Report any violations to the CFPB
- Consult a consumer law attorney if harassment continues
Soft Call-to-Action
If you’re facing debt collection harassment, Ginsburg Law Group can help you stand up for your rights. Contact us for a confidential consultation.
