Harassing Phone Calls

Even if you owe the debt, if a debt collector engages in any abusive, deceptive, or unfair collection practices, contact us for a free telephone evaluation to determine if you are entitled to recover money damages and the payment of your attorneys’ fees and costs from the debt collector!

Many collection agencies and attorneys violate the Fair Debt and Collection Practices Act, 15 U.S.C. § 1692. This is a federal law that gives you certain rights and prohibits certain collection conduct. A violation of the FDCPA may entitle you to up to $1,000.00 for each collector who violates the law. A debt collector is liable to you under the Act even if you owe the debt!


A debt collector may have violated the FDCPA if it:

  • Telephones you an unreasonable number of times per day.
  • Telephones you at an unusual place, including your work, when not permitted.
  • Uses profane or other abusive language.
  • Discloses information regarding your debt to third parties.
    The collector may not communicate regarding the debt with anyone other than the consumer, his or her attorney, a consumer reporting agency, the creditor, and the creditor’s and consumer’s attorneys. Contact with the consumer’s employer or co-workers may also violate the Act.
  • Adds collection charges that are unauthorized.
    Debt collectors and collection attorneys may try to add amounts to the debt that are not authorized. One example is the addition of fees or service charges to dishonored checks. The addition of fees or service charges, without compliance with state law concerning notification of dishonored checks and limits on the charge, are illegal. Also, adding collection costs and/or attorney’s fees not provided for by law or the contract is illegal.
  • Adds interest charges that are unauthorized.
    Debt collectors and collection attorneys will sometimes try to add amounts to the debt that are not authorized. One example is the addition of fees or service charges to dishonored checks. The addition of fees or service charges, without compliance with state law concerning notification of dishonored checks and limits on the charge, are illegal. Also, the addition of collection costs and/or attorney’s fees where not provided for by the contract or law is illegal.
  • Calls you after you notify the debt collector in writing that you do not want to be contacted any further.
  • Claims to be affiliated with any governmental organization.
  • Misrepresents the character, amount, or legal status of a debt.
  • Threatens to take any action that cannot legally be taken.
    Threats of Action That Cannot Be Legally Taken or Not Intended to Be Taken. Collection letters that threaten a lawsuit, wage garnishment, seizure of property, etc. often are threats of unintended action. Neither the collector nor the attorney may overstate the remedies available to the creditor. Where the amount of the debt is small or the consumer has little or no assets, the threat of a collection action is usually false. In almost all circumstances threats of arrest for nonpayment of the debt are also false.
  • Accuses you having committed a crime.
  • Threatens or communicates false credit information.
  • Attempts to collect the debt prior to responding to your request for validation of the debt.
  • Uses deceptive methods to collect debts.
  • Calls you before 8:00 a.m. or after 9:00 p.m.
  • Calls you without identifying itself as a debt collector.
  • Calls third parties regarding your debt.
    The collector may not communicate regarding the debt with anyone other than the consumer, his or her attorney, a consumer reporting agency, the creditor, and the creditor’s and consumer’s attorneys. Contact with the consumer’s employer or co-workers may als