Common FDCPA violations
Many of these happen so routinely that consumers don't realize they're illegal. If any of these sound familiar, document the contact and call us.
- Calling before 8am or after 9pm without permission
- Threatening arrest, lawsuit, or wage garnishment when not legally possible
- Calling your workplace after being told to stop
- Discussing your debt with family, friends, or coworkers
- Using profane, abusive, or harassing language
- Misrepresenting the amount or legal status of the debt
- Continuing to call after a written request to stop
- Failing to provide debt validation when properly requested
What you can recover
Actual Damages
Lost wages, emotional distress, out-of-pocket costs caused by the harassment.
Statutory Damages
Up to $1,000 per violation under federal law, even without proof of actual damages.
Attorney Fees
When you win, the collector typically pays our fees — not you.
How to document a violation
- Save voicemails and screenshots of texts
- Note the date, time, and substance of every call
- Keep all written letters and envelopes
- Identify the collector's name and the agency they work for
- Get statements from witnesses who heard threats or saw harassment