The CFPB handled approximately 85,200 debt collection complaints in 2017*
Ther were 9,784 litigation cases filed in 2017 for FDCPA violations†
Welcome to Debt.com’s Collector Harassment Response Center. If you’re facing collection actions because of unpaid debt, it doesn’t give a collector the right to abuse, harass or threaten you.
Your rights are protected under federal law by the Fair Debt Collection Practices Act. And if a collector violates that law, you can fight back and even sue them for harassment in civil court.
This section tells you everything you need to know when dealing with a collector whose crossed the line. You can find sample cease and desist letters, learn how to file collection complaints with the FTC and CFPB, and how to begin pursuing a court case.
To get started, simply complete our form to tell us about your situation. Debt.com will match you with the right service so you can get the help you need. We are A-plus rated by the Better Business Bureau and have helped thousands of people become financially stable and find solutions tailored to their unique situations.
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Unfortunately, not every collection agency operates ethically according to the law. When debt collectors cross the line from aggressive to abusive, you have a right to fight back! You can take a range of actions, from filing a complaint with the Consumer Financial Protection Bureau (CFPB) to pursuing a civil lawsuit to seek compensation for the harassment you suffered.
Here are just a few examples of debt collector abuse that violate your rights:
- Calling repeatedly and excessively throughout the day, after hours or on weekends
- Making threats of jail time or repossession of property not related to the debt
- Cursing, demeaning comments and other abusive language
- Continuing harassment for a debt that is not yours
If you think your rights are being violated, don’t suffer another day of being harassed by a collector who is crossing the line. Use the solutions below to report the abuse, stop it in its tracks and get the compensation deserve from the agency that attacked you.
Spectrum of Debt Harassment Solutions
If a debt collector simply won’t leave you alone and there have been multiple violations of your rights under the FDCPA, you have a legal right to seek compensation. Use these resources to pursue a civil lawsuit against an abusive collector.Explore the Pursue a Civil Case against a Debt Collector Solution »
There is a legal process to formally request that a debt collector no longer contact you regarding a debt. Once this letter is sent, the collector is legally bound to cease all contact. Use this template to send your letter the right way.Explore the Send a Cease & Desist Letter to a Collection Agency Solution »
Don’t let a debt collection agency get away with violating your rights! At minimum, you should at least report the abuse to the Consumer Financial Protection Bureau (CFPB) or Federal Trade Commission (FTC) so the collection agency can be investigated accordingly. Use this resource as an easy quickstart guide for filing a debt complaint.Explore the File a Debt Collection Complaint Solution »
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