What Is the FDCPA?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from abusive, unfair, or deceptive debt collection tactics. It covers most personal debts, including credit cards, auto loans, and medical bills.

What Collectors Can’t Do

• Call before 8am or after 9pm
• Use threats, profanity, or harassment
• Lie about the amount you owe
• Contact you at work if you ask them not to
• Talk to others about your debt

What to Document

• Dates, times, and content of all calls
• Letters, emails, and texts from collectors
• Any threats or abusive language
• Notices about your rights

Practical Checklist

• Keep a call log
• Save all written communications
• Send a written request to stop contact if desired
• Don’t admit to owing a debt without verification
• Consult an attorney if you feel harassed

How to Take Action

If a collector crosses the line:

• Tell them to stop in writing
• File a complaint with the CFPB or your state AG
• Contact a consumer protection attorney

Facing debt collection harassment? Ginsburg Law Group, PC is here to help protect your rights.