Just because you owe a debt, it doesn’t give a debt collector or collection agency the right to treat you unfairly.

Nearly all States have enacted Fair Debt Collection Statutes to regulate debt collection, these laws mirror the protections offered to consumers in the Federal Fair Debt Collection Practices Act.

In addition to making bad debt collectors stop their collection efforts against you, these laws and other related must know consumer protection statutes can provide victims of debt collection abuse monetary damages of up to $1,000.00! In certain cases, additional damages can be awarded to a victim for malicious misconduct or intentional harm caused by the debt collector. And the debt collector pays your attorney’s fees!

Fight debt collectors and stop debt collector harassment NOW!

fdcpa_debt_collector_harassmentWhat kinds of debts are covered by fair debt collection practices acts?

Fair Debt Collection Practices Acts cover “consumer debts,” generally defined as a consumer’s personal commitment to pay back money arising out of a transaction in which the money, property, insurance, or services (being purchased) are primarily for personal, family, or household purpose — things like credit cards, loans and medical debt. and by way of comparison, debts for parking taxes, income tax and alimony payments are NOT consumer debts.

What or who is a Debt Collector?

Debt collectors are anyone “who uses any instrumentality of interstate commerce or the mail in any business, the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due another.” The term also includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.

Are creditors covered under Fair Debt Collection Practices law?

Creditors may or may not be covered under Fair Debt Collection Practices Law, each state has its own statutes which regulate debt collection practices within its boundaries. You can contact a Fair Debt Help Lawyer to find out whether or not a creditor is covered under your state’s debt collection laws.

Do I need a Fair Debt Practices Lawyer?

A Fair Debt Help Lawyer, knowledgeable about Federal and State Debt Collection Laws can advise you of your rights. Since a debt collector may attempt many different tactics, it is difficult to determine on your own whether a violation has occurred, an experienced FDCPA attorney can evaluate your situation and advise you accordingly. If you hire an attorney to represent you with regard to the debts you owe, debt collectors must contact your attorney instead of you.

customer_serviceWho pays the Lawyer?

The Fair Debt Collection Practice Act provide for payment of attorneys fees BY THE DEBT COLLECTOR (or defendant) if you prevail. Fair Debt Collection Practices lawyers listed at this website will generally represent you at no cost to you*, so there is no reason to fight this battle alone!

When does the law apply?

The FDCPA applies when these third-party debt collectors attempt to collect a consumer debt from a person. A consumer debt is a debt which was incurred for personal, family or household services. This includes a wide variety of debts such as one created when a person purchases a computer on a credit card or buys insurance for a home. The law applies to debt collection phone calls, written communication or reporting the debt to a credit reporting agency. There are literally countless things a debt collector may not legally do, and many things they are legally required to do.

What’s a good solution?

Call Fair Debt Help Lawyers now at 888-595-9111 for a FREE case review or submit an online inquiry now. With help, you may be able to cease collection efforts, hold off collections until your debts are validated, and/or settle your debts for fractions of the amount demanded or owed. Where your fair debt rights have been violated, a Fair Debt Help law firm may even be able to sue a debt collector on your behalf under an FDCPA for statutory damages to you of up to $1,000 (make the collector pay you!!!), plus any actual damages suffered, plus attorney fees (so FDCPA litigation costs you nothing).

You have nothing to lose in asking a Fair Debt For Consumers attorneys to review your financial situation (the case review is FREE!!) and although no lawyer can promise any result, nor even promise help, Attorneys For Consumers are out there who will take the time to see if you qualify for debt the many kinds of debt help options and debt assistance available. Don’t wait, do it now.

If you want to get a head start fighting back on your own, you can use our debt collections communications log to track all the collection attempts against you. Learn about the federal call recording law as well as the call recording laws in your state to see if you can legally record your phone call with a debt collector. Use our site’s cease and desist or dispute debt letters to assist in your efforts to stop collector’s calls and letters and protect yourself from the predatory acts of unscrupulous debt collectors. Then read our debt collection glossary to learn the important terms and check out answers to Fair Debt FAQs for answers to those common questions!

Submit your debt collector problem to our directory of consumer protection attorneys for a Free Case Review!

If nasty, abusive, obnoxious and threatening debt collectors are calling you at all hours of the day and night, bombarding your cell, work or home phones with collection calls and voice mails, you CAN fight back.

If your friends, family and neighbors are being contacted about your debt causing you unnecessary embarrassment, or if Zombie Debt Collectors are attempting to collect a debt from you that is outside the Statutes of Limitations in your state, you CAN fight back.

Even though your mailbox may always seem to be filled with a multiplying amount of collection letters each day, you CAN fight back.

A Debt Collector Cannot:

  • Call you an unreasonable number of times
  • Call at unusual times or places
  • Use profane or other abusive language
  • Share private information about your debts with others
  • State you are a criminal or will be arrested
  • Lie to or deceive you

Debt Collectors must follow many other laws.  Contact a Fair Debt Lawyer today to find out more: 888-595-9111.


  1. Wayne Tucker says

    I have 3 debt collectors who are attempting to collect on old credit cards that that over the statute of limitation in Texas ( 4 years). My job is now trying to make me pay these debt collectors in order to keep my employment. Is it legal for debt collectors to report these attempts to collect debts on my credit report. They bought the old debts. I have no contract with any one of the 3 debt collection agencies. What are my rights.

    • says

      Under nearly all circumstances, it is a violation of federal garnishment laws for an employer to terminate you over a wage garnishment. If this is happening, contact a Texas Fair Debt attorney at 888-595-9111 to discuss your situation and your rights.

      As for the three debts, if they are truly past the statute of limitations, the debts are legally unenforceable (meaning you cannot be sued), though non-judicial collection efforts (calls, letters, etc.) can legally occur. But determining the SoL can often be dicey, so its best to seek the consult of a Debt Settlement attorney as well, you can talk to one at 888-595-9111.

      Finally, that your work is even involved with these debts that aren’t the subject of a lawsuit smells of FDCPA violations with regard to disclosing the debt to third parties and contacting you at work, at least. Violations may entitle you to up to $1,000 or more from each debt collector, and the debt collector will have to pay your attorneys so it costs you nothing out of pocket.

      Call 888-595-9111 to learn the array of rights and options you have, the attorneys there will consult you for free and without obligation.

  2. Charhanda says

    Good Afternoon,

    I was engaged to be married in 2009. My ex-fiancé and I purchased property together to build a home. I found out in 2010 that my ex was leading a whole separate life with a girl that he began dating during our time together. That aside, I left him 3 months before we were to be married. Later in 2010, I received notification from my employer that they had received a writ of garnishment for a C. Green. Mind you WE NEVER MADE IT TO THE ALTER SO I NEVER TOOK MY EX’s LAST NAME. The call I received was from my director and the attorney that works in our office. I told the both of them that I had never been married and that they writ that they received for the garnishment did not belong to me because it was not my debt. I honestly had no idea that I had any recourse so I took the garnishment on the chin for fear of losing my job (Im a single mother). I later found out that my ex was a functioning drug addict and he persuaded the young lady to pose as me and took out a loan with a finance company using the land as collateral. Well, needless to say that after this incident, I became more diligent regarding my credit report. Upon recently checking my credit report, I noticed that my credit report shows that the finance company is listed as C. Murphy on my credit report. After researching, I learned that a garnishment is a civil judgment and should be listed as a public record. Upon looking at the public records section of my credit reports, I’m showing that there is no listing for the judgment nor the is there any indication that the debt has been satisfied. I have the paperwork from my Human Resources department showing that they satisfied the $8,835.18 debt in 2012! I am unable to receive a satisfaction of judgment because…… THERE IS NO JUDGMENT LISTED FOR THAT GARNISHMENT UNDER MY NAME ON MY CREDIT REPORT. THEREFORE $8,835.18 has been taken from me and the finance company is still saying that monies are owed to them. I just need to know what steps I need to take to recover my funds and sue for my pain and suffering (credit damage, credit denials, repossession, etc.) and also have these questions answered:

    1. Prior to initiation a lawsuit, am I not supposed to be contacted? I was never contacted
    2. I never received any type of demand letter from the attorney that sued. I was only contacted by my employer.
    3. It appears that my employer just assumed that I was married and listed as much in the answer to the writ of garnishment. I’ve been listed as single on my W–2′s since I began the job in 2008.
    4. Shouldn’t the garnishment been in compliance with the MS Open Account Statute, which requires that an itemized statement of account be sent to the consumer (me) along with an initial demand letter. I never received this. therefore I was unable to question or object when the suit was filed.
    5. I have gone back and tracked down paperwork that shows that the law firm filed suit in the county where the law firm is located, but the lawsuit was recorded in the county where I live. Aren’t civil actions of which the circuit court has original jurisdiction commenced in the county where the defendant (me) reside? The FDCPA requires this am I correct?

    Please Advise

  3. Natasha Moore says

    I am being harassed by a so called law firm named Scott Williams Law Firm that says that I took out a pay day loan for $426 and if I do not pay that a warrant will be issued for my arrest and that I will be fined $9,000 and the person named Chris Walker said to me that I stupid for not paying the loan. There phone # is (619) 567-4084, and states that I have until Monday, July 21, 2014 to pay. I want the phone calls to stop. Please help me. Thank you.

    • says

      Harassment (“I am being harassed”), misrepresentations (“I will be fined $9,000″), belittlement (“said to me that I stupid”) and threats of arrest (“a warrant will be issued for my arrest”) are ALL violations of your Fair Debt Rights. You may be able to make the debt collector pay you up to $1,000 or more, and make them never call you back!

      Debt Help Lawyers from this site will E-mail you back for a FREE consultation and to discuss your options. Or just call 888-595-9111 now.

  4. ellen says

    Those calls you receive stating they will come to your employment or home to arrest you for non-payment!! Is a SCAM!!! This happened to me. After receiving numerous calls at work. I approached my H.R. Dept to inform them of this situation. Embarrassed as I was the flip side was I worked for a State run Casino all our calls had been monitored. Prior to H.R. looking into this for me I googled their phone numbers and all had comments of harassment! BEAWARE!! THEY ARE LOOKING TO SCAM YOU!!

  5. Christina says

    I have a investigator from GA that keeps calling, they have called under several different names, with the same voice and same phone number. I have given them a number of an attorney to call and they will not. I have asked for proof of this debt which I do not receive. They keep threatening that I will be prosecuted for check fraud. Originally they said the debt was from 2010, which I filed chapter 7 bankruptcy in 2012 so all debts should have been covered under the bankruptcy. I have asked them not to call until they can give me valid proof of the debt which they can never give when I start getting frustrated with them they hang up on me. But they have been calling me for close to a year now and I would like them to stop. Should I really be concerned? for one they call from GA and at the time of their debt I lived in CO and now live in KS. why would GA be issuing any kind of warrant if I have never even been there? Any help or guidance would be greatly appreciated.

    • says

      That’s a horror story, but you be should not be terribly concerned about what this collector is saying. I say this because the actions you describe are outrageous to a level they fall under the category of what non-viable debt collection companies generally do. By “non-viable” I mean companies that “fly by night” and simply exist on what they can scam from consumers as opposed to being legitimate debt collectors. There is an outside shot that its a rogue collector at a legitimate company, but the fact they have been calling to collect for a year suggests your debt is in their portfolio of junk debts and you are on a cycle. If you know the number the are calling from, call 888-595-9111 and the Debt Help Lawyers there can get you some assistance. Free no obligation consultation.

  6. Lloyd Tanner says

    I purchased a car (in Pinellas County Florida) and after hard times and falling behind I have tried to comply with the arrangements of the finance company, in order to stay as current as I can. I sell health insurance and right now it is a VERY tough market. My parents, who were each listed as “references” on my credit application, have recently been contacted by the finance company, only for the finance company to let them each know that I am behind on my payments and that the vehicle is up for repossession and that there is a gps tracking device on the vehicle and if I don’t contact the finance company that they know where the vehicle is (let me add that I have NEVER made ANY attempt to hide or conceal the vehicle in any way, shape or form) and if I don’t make a payment then the finance company is going to come repossess the vehicle. Is this legal and can they contact any references on my credit application to discuss my financial issue with them???

    • says

      Thank you for your question, is the company contacting your references the finance company or a third party collecting on behalf of the lender? Consumers do have rights under the Fair Debt Collection Practices Act (FDCPA) Take advantage of this site’s FREE, no obligation case review and let’s figure out how to get you some real help. Additionally, it sounds like you would benefit from re-prioritizing your debts through debt settlement, and the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. The worst thing to do is nothing, so call us now at 888-595-9111 and we will get started figuring our how to help you!

  7. says

    This company has picked up an old (6yrs old) payday lone debt. I know the debt was mine but they have refused to send me a validation letter. I set up a payment arrangement with them and have made 4 payments, they later said that my payment agreement was not approved, they will not tell me where my money is really going. Everytime I call to speak with someone they say that the previous person I spoke to is no longer working for the company or so and so didn’t put the info in your file. The total debt amount keeps changing and they keep forcing to make one lump sum payment that I cannot afford. My so called 4 payments that I made to them have been deleted. They are now threatening to take me to court and have be charged for bank fraud. I don’t know what else to do. I cannot afford and lawyer, nor can I afford to countinue to pay for a debt through a shady company.

    • says

      Thank you for your question, the collection tactics that you have described are unfortunately common, the good news is that the Fair Debt Collection Practices Act (FDCPA) is a consumer protection law specifically designed to protect consumers in your situation. If you have a valid claim, you may be entitled to a damage award of up to $1000 in statutory damages against the debt collector plus they have to pay your attorneys fees. Wouldn’t it be nice if the collector had to pay you? Call 888 595 9111 for a free, fast no obligation case review.

  8. kai says

    I would like to know how much commission a debt collector can tack on? 33.33 % is pretty high for me. The debt collector told me that they could charge as much as they want, is this true?

  9. Robert Horan says

    In May of 2010, my wife lost her job in North Carolina, and we had to move to Texas to find employment. We had to break an apartment lease by 2 months, it was either move and let them have the apt to lease or get evicted for non pay. We have found that a collection agency has our debt ($2282), and that it is preventing us from obtaining a lease on a home. Is there any way to get the debt removed from our credit report since it is past the 3 year limit in North Carolina?

    • says

      You can help here, and in several different ways. And both North Carolina and Texas have state laws similar to the FDCPA that apply to creditors, so you are extra good! Call 888-595-9111 now and let’s get you some help!

  10. Byron Patterson says

    I was being harrased at home and work by a collection agency threatening me with ” legal action” If I didn’t pay them. Attorney Todd Freidman fought for me and we actually sued them. I was granted $1000 in the case and the company is now out of buisiness.

  11. Lori LewAlle says

    I am getting calls for a name that is the same as my fiancé, the only way they could get my cell number is off his cell phone bill, since I am on his account. We keep telling them over and over and over that they have the wrong person, but they keep calling, what ?

    • says

      It sounds like you have a very good case under the Telephone Consumer Protection Act. This law requires your express consent to be auto dialed, and as a reference on someone else’s account, they cannot have your express consent. Its $500 to $1,500 per call (yes, per call!), and you may have what is needed for a class action. it also sounds like ypiur fiancee has a case under the Fair Debt Collection Practices Act for unlawful third party disclosure. Call us, let’s talk.

  12. Ann says

    .I have a money loaning place calling my son and daughter in law..trying yo say they need to sever me papers for a civil suit

  13. sherrie white says

    I rent a dryer from Buddys home furnishings, I received a call this week from an employee there and he left a message to tell me I needed to come in and oay, and that he has been calling my ASS for four days

    • says

      Thank you for the question- under the Fair Debt Collection Practices Act (FDCPA) Debt collectors are prohibited from any conduct that would harass, oppress, or abuse any person in connection with the collection of a debt. Abusive language includes religious slurs, profanity, obscenity, calling the consumer a liar or a deadbeat, and the use of racial or sexual epithets. It sounds like the collector owes you up to $1,000 statutory damages, plus actual damages, and we can go after them at no cost to you. We may also be able to help you get this old debt settled cheap! Start the Fair Debt process today by calling 888-595-9111 for your free, no obligation consultation.

  14. sherrie white says

    I rent a dryer from Buddys Home Furnishing and I am behind a weeks pymt of 15.76 and they call every day, this week a worker left me a mssg stating he needed me to come into the store and make a payment and he also stated he has been calling my ass for four days…

  15. Deonica Hawkins says

    I am receiving collection calls at all times of the day, was mailed a personal letter personal to my job , and they are constantly calling my job after I verbally asked them not too. What can I do about this harassment if anything?

    • says

      What can you do? Enforce your rights, that’s what! They are your rights, after all, so let’s get to it. Call us 888 595 9111 now and we’ll start the Fair Debt process. No cost.

  16. Debbie says

    I have been unemployed for a year and I have a loan out at a local company. I am behind by 2 months. Do I have to listen to him say “He hates liars”. That “It’s people like me that tell him they will be there and then don’t that makes him hate his job”…”Gotta have it by 5:00 today”…”Just get somebody to write a post dated check and we will hold it until a certain day”…I told them I would make a payment on the 31st but they wanted me to get somebody to write a check for them to hold until the 31st. Now tell me what the difference is? What are my rights and why do they get away with talking to me that way, calling everyday and showing up at my house? Honestly my rent, light bill and water comes first then I pay them when I can. If they do a re-finance to supposedly help me out, the payment stays the same amount. So how is that helping> And this company knows I haven’t worked in a year and I still get nasty phone calls and he shows up at my house.

    • says

      Thank you for question. Consumers do have rights under a variety of laws designed to protect you, including protecting you from this collector or creditor’s harassment, repetitive calls and verbal abuse. Take advantage of this site’s FREE, no obligation case review and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Make the collector follow the law or pay you, call us at 888-595-9111 and we’ll get you taken care of.

    • says

      Statutes of limitations can be tricky because they often depend on exact contract terms, and consumers generally don’t keep these adhesion contracts. And the statute of limitations often differs based on the type of debt, e.g., a credit card or a bank loan. You can learn more about SOL’s or just call us at 888-595-9111 and we’ll ask the questions we need to know to answer, and also see if your Fair Debt rights are being violated because even if you owe the debt, you may not owe the amount they claim you owe. We will provide you a free, no obligation case review.

  17. says

    I am currently behind on my mortgage, but make payments of as much as i can as often as I can (my mortgage interest rate is 11.25% on a mobile home and the payment takes 52% of my monthly take-home pay). I also have an automobile payment which is directly debited from my account and, since I am in a Chapter 13 bankruptcy (paying back mortgage payments from when i was unemployed) the mortgage payments take all of my net pay that is left. Since last July I have recieved an average of three calls per day, each accompanied by either a text message or e-mail. I currently have 99 saved e-mails simply saying contact them and 103 text messages. I substitute teach in the local school district and also work a full-time night job while taking college courses online to complete my Bachelor’s degree. They are aware I cannot answer the phone while working at the school, yet call during school hours sometimes twice a day. My full-time job involves checking in trucks at a manufacturing plant and I am often tied up with trucks and cannot answer the phone. When I do talk to them it is always condescending and demand that they get their money. One of the “managers” flat out told me it wasn’t her problem if my family had food in the house, my utilities were paid, or I had gas to get to work, they wanted their money. the calls have been made from six different people from seven different numbers. They have sent a representative out to my house once to talk to me and even called on Sunday evening. In addition I have recieved several letters from them, often one letter stating an amount I was delinquent and the next day another stating a different amount. Any suggestions?

    • says

      YES, call us and let’s get you fixed up. You have done a great job of saving your evidence, and depending on who is calling, you may have rights under the FDCPA, TCPA and state law. The minute you said “stop contacting” you, they lost permission to robo dial you, and if they are 3rd party collectors, the lost the right to contact you at all. We are available 24/7 at 888-595-9111 to help you, the consultation is free and without obligation and many attorney services are at no cost to you.

  18. Heather says

    I financed a car through a buy here pay here place, and now have been late on my payments. However, I have not received any notice regarding any type of balance owed nor they have not showed up to repossess the vehicle, however they are sending text messages to me and ALL 16 of my references i used when I bought the car, stating that it will “result in a class 6 felony”
    Is this legal?

    • says

      Thank you for question. Consumers do have rights under a variety of laws designed to protect you, including protecting you from this collector or creditor’s harassment, repetitive calls and verbal abuse. A few additional questions may help us sort out the issue. Take advantage of this site’s FREE, no obligation case review and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Make the collector follow the law or pay you, call us at 888-595-9111 and we’ll get you taken care of.

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