They Say I Owe Something I Don't
Wrong amount, wrong person, already paid, or outright fraud. The FDCPA treats each of these as a violation — and the collector pays the damages.
Common scenarios we handle
- • Balance is higher than what you actually owe
- • Fees, interest, or charges added that aren't in the original contract
- • Debt was already paid or settled with the original creditor
- • Debt is not yours — identity theft, mistaken identity, or confusion with a relative
- • Debt was discharged in bankruptcy
- • Debt is past the statute of limitations but being represented as currently due
Why this matters under the FDCPA
FDCPA §1692e prohibits "false, deceptive, or misleading" representations in the collection of a debt. Claiming a debt balance is higher than it is, or attempting to collect a debt that isn't yours, triggers statutory damages up to $1,000 per case plus actual damages and attorney fees.
What we do
1. Written dispute, certified mail
Forces the collector to pause and verify. Continued collection after a dispute is its own violation.
2. Demand for full accounting
Original contract, every charge, every payment. If the math doesn't match their claim, we have a case.
3. FDCPA suit for misrepresentation
Filed against the collector. Collector pays damages and our fees. Your out-of-pocket cost is zero.
The Number They Claim Isn't Right?
Tell us what they're saying you owe and what you actually owe. We'll handle the dispute and the FDCPA claim together — free.
Attorney-negotiated settlements available now. Act fast - creditors are calling.