Are debt collectors calling you nonstop or using aggressive tactics? The Fair Debt Collection Practices Act (FDCPA) gives you strong protections.
What Collectors Can’t Do
- Call before 8 a.m. or after 9 p.m.
- Use threats, profanity, or intimidation
- Contact you at work if you ask them not to
- Misrepresent the amount you owe
Checklist: Dealing with Debt Collectors
- Keep a log of all calls (dates, times, what was said)
- Save all letters and voicemails
- Request written verification of the debt
- Don’t give personal or financial info over the phone
What to Document
- Call logs and correspondence
- Any abusive or threatening messages
- Requests you’ve made to stop contact
What to Do If Harassed
You have the right to demand that collectors stop contacting you. If they violate the law, you may be entitled to damages.
Call to Action: If you’re facing debt collection harassment, contact Ginsburg Law Group to discuss your options and protect your rights.
