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The Fair Debt Collection Practices Act

Debt collection abuse can take many forms, from abusive phone calls, threatening or deceptive collection letters to sharing information about your debts with family members, friends, and others. These practices, often used by debt collectors, are some of the many prohibited by the Fair Debt Collection Practices Act.


The purpose of this act is to protect consumers from harassment and abuse by debt collection agents. How a collector contacts a consumer, communicates with them and behaves during this communication are strictly regulated by the law.


A collection agent may not:

  • Threaten you with violence

  • Use abusive or obscene language

  • Threaten to send you to jail or have your children taken away from you

  • Falsely claim to be an attorney or government employee

  • Calling at inconvenient hours

  • Calling an excessive number of times

  • Taking your wages or property without a court judgment

  • Threatening to sue without having the legal right or intention to do so

  • Making any idle threat

  • Telling your neighbors or other third parties about your debt

  • Engaging in any unfair acts or deceptive practices.


Debtors have rights and the Fair Debt Collection Practices Act prohibits harassment and abuse even if you owe the debt. Any consumer whose rights have been violated are entitled to actual damages, statutory damages of up to $1,000.00 and attorneys fees.


If you are faced with debt collector abuse you should:

  • Save everything, documents, voice mail recordings, letters and other items from a collector can all be essential in proving a case

  • Request that the debt collection company verify the debt. You should do this with a certified letter.

  • Request that the debt collection company stop calling you under the FDCPA a debt collector is not allowed to contact you by phone after you have requested in writing that they stop.

  • If you are being sued then make sure to attend all of your court dates, most courts will provide additional time to find an attorney to represent you.

  • Contact our office for case evaluation and see how we can assist you.

Has a debt collector done any of the following?

Get your CASE EVALUATION TODAY for $99 - $249

  • Called repeatedly or not stopped calling after you advised them to stop?

  • Threatened you with a lawsuit or wage garnishment?

  • Asked you to pay more than owed or added interest/fees beyond the initial debt amount?

  • Informed a party about your debt other than an attorney or your spouse (e.g. co-workers, relatives, etc.)?

  • Not sent a notice summarizing debt within 5 days of opening communication?

  • Made any false statements or misrepresentations?

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