Debt Collector Harassment
You don't have to be sued to have a case. Harassment before a lawsuit is often the strongest FDCPA claim — and costs you nothing to pursue.
What counts as harassment under federal law
- • More than 7 calls in 7 days per debt (Regulation F)
- • Calls before 8:00 AM or after 9:00 PM in your time zone
- • Threats of violence, arrest, or criminal prosecution
- • Profane or abusive language
- • Calling your employer after you told them not to
- • Contacting your family, neighbors, or coworkers about the debt
- • Calls after you sent a written cease-and-desist
What we do about it
1. Document and preserve evidence
Call logs, voicemails, letters, texts. The collector's own records become exhibits.
2. Send cease-and-desist + debt validation
A written demand stops the calls and forces the collector to prove the debt is valid.
3. File the FDCPA lawsuit — collector pays
Statutory damages up to $1,000, actual damages on top, and the collector pays our fees. You pay nothing.
FAQ
How many calls is "too many"?
Regulation F created a presumption: more than 7 calls in 7 days per debt, or a call within 7 days of a conversation with you, is harassment. Many collectors still violate this every day.
What if they're calling the wrong number or wrong person?
That's its own FDCPA violation. If they called you for someone else's debt and kept calling after you told them it wasn't you, we have a clean case.
Do I owe the debt for this to matter?
No. The FDCPA protects you regardless of whether the underlying debt is valid. Harassment is illegal even if you owe the money.
A Collector Is Harassing You?
Tell us what they're doing. If they crossed the FDCPA line, we sue them and the collector pays our fees.
Attorney-negotiated settlements available now. Act fast - creditors are calling.