The Fair Debt Collection Practices Act is the consumer law that protects you against unfair, unethical and harassing treatment by debt collectors. This law exists to ensure that anyone with a debt in collections is treated respectfully, professionally and truthfully by any collection agency that contacts them.

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 days 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

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Pursue a Civil Case against a Debt Collector

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.

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Send a Cease & Desist Letter to a Collection Agency

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.

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Are you facing abusive debt collections?

File a Debt Collection Complaint

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.

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