What the FDCPA is (in plain English)
The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what third-party debt collectors can do when trying to collect a consumer debt.
It doesn’t erase valid debts. It sets rules for conduct—especially harassment, deception, and unfair practices.
Common FDCPA violations consumers report
- Repeated calls intended to annoy or harass
- Calling before 8 a.m. or after 9 p.m.
- Contacting you at work after you tell them not to
- Threatening arrest or criminal charges
- Misrepresenting the amount owed
- Claiming they’re a law firm when they’re not
- Discussing your debt with third parties (with limited exceptions)
Your “save this” evidence checklist
Call log
Create a simple log (notes app is fine):
- Date/time of each call
- Number shown on caller ID
- Company name used
- What was said (short summary)
Voicemails
Save voicemails. Do not edit them.
Letters and envelopes
Keep:
- The letter
- The envelope (postmark can matter)
Text messages and emails
Screenshot and export if possible.
Validation notice
Collectors generally must send a written notice with key information about the debt. Save it.
What to do if you want them to stop contacting you
You can send a written request to stop contacting you (often called a “cease communication” letter). After that, they may only contact you in limited ways (for example, to tell you they’re taking a specific legal action).
Important: Stopping calls doesn’t necessarily stop a lawsuit. It changes communication rules.
If you’re sued, don’t ignore it
A lawsuit has deadlines. Even if you dispute the debt, missing a response deadline can lead to a default judgment.
If you’re served:
- Note the date and method of service
- Photograph the papers
- Calendar the response deadline
- Get legal advice quickly
If you’re dealing with aggressive collection calls or confusing letters, we can review what you received and help you understand whether the conduct crosses the line under the FDCPA or related consumer laws.
