If you’re getting constant calls or letters from debt collectors, you have rights. The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, deceptive, or unfair collection tactics.
What Debt Collectors Can’t Do
- Call before 8 a.m. or after 9 p.m.
- Use threats, profanity, or intimidation
- Lie about the amount you owe
- Contact you at work after you ask them not to
- Talk to others about your debt (except your spouse or attorney)
Practical Checklist: Protect Yourself
- Request all communications in writing
- Keep a log of calls, dates, and collector names
- Save voicemails, texts, and letters
- Don’t admit to owing the debt without reviewing records
What to Document
- All written and recorded communications
- Notes from phone calls
- Any payments or settlement offers
How to Respond
- Send a written request for verification of the debt
- Tell collectors in writing to stop contacting you (if needed)
- Contact a consumer law attorney if harassment continues
If you’re dealing with aggressive debt collectors, Ginsburg Law Group can help. Reach out for support and take back control of your peace of mind.
