Debt Collector Harassment
Stop Harassment & Protect Your Rights
Being in debt doesn’t mean collectors have free rein. Laws exist to protect you from abusive and unfair collection practices. Learn how to assert your rights and stop harassment now.
Harassment & the FDCPA
Debt collectors must follow strict guidelines under the Fair Debt Collection Practices Act (FDCPA).
Illegal Practices Include:
- Threatening violence or harm
- Using abusive or obscene language
- Making false claims or misrepresentations
- Calling repeatedly or at inappropriate hours
Your Rights:
- Demand verification of the debt
- Request collectors cease contacting you
- Sue debt collectors who violate your rights under the FDCPA
Robocalls & TCPA
The Telephone Consumer Protection Act (TCPA) restricts automated calls from debt collectors.
Know Your Protections:
- Unwanted robocalls are illegal without prior consent
- You can revoke previously given consent at any time
- Violations can result in financial compensation for you
What You Can Do:
- Review your credit reports regularly (annualcreditreport.com)
- File disputes immediately with credit bureaus (Experian, Equifax, TransUnion)
- Provide clear documentation to support your disputes
Wage Garnishment
Creditors sometimes use wage garnishment to recover debts, but it must follow strict legal procedures.
Understanding Wage Garnishment:
- When it’s legal and when it’s not
- How much can be garnished
- Steps you can take to contest or stop garnishment
Be Aware:
- Recognize common red flags of fraudulent companies
- Understand legitimate methods of credit repair
Debt Buyer Information
Debt buyers frequently purchase and collect old debts, sometimes without proper documentation.
Important to Know:
- Your rights to challenge debt buyers
- Common errors made by debt buyers
- Legal steps you can take if you’re sued by a debt buyer
Take Immediate Action
Don’t tolerate abusive collection tactics. You have legal protections.
