Debt Collectors Violated the FDCPA? You Can Sue & Get Paid!
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors CANNOT :
- Harass or threaten you
- Call you at odd hours
- Contact your family or job
- Use deceptive or abusive tactics
Debt Collectors Reaching You by Phone, Email, Text, or Mail?
Debt Collectors Break the Law When They…
Simply fill out our quick and easy questionnaire and send us any supporting documents. It’s that simple!
Discover for FREE if your rights were violated. If we find any violations, we’ll connect you with a top-tier lawyer who can win your case today!
Rest assured, you won’t pay for any legal services—just the cost of mailing.
Debt Collectors Violate the Law When They…
Debt Collector Breaks the Law when:
Has The Debt Collector Dose The Following
- Call excessively (5+ times per day)
- Use abusive or offensive language (swearing, discrimination)
- Call outside legal hours (before 8 AM or after 9 PM – FDCPA violation)
- Lie about your debt (inflated amounts, expired debts)
If you checked ANY of these, you could have a case worth $1,000+!
Things Debt Collectors CANNOT DO
- Harass You with Excessive Calls (5+ times a day)
- Use Abusive or Threatening Language
- Call Before 8 AM or After 9 PM (FDCPA Violation)
- Contact Your Family, Friends, or Employer About Your Debt
- Lie About the Amount You Owe or Threaten Legal Action They Can’t Take
- Misrepresent your debt (fake amounts, expired debts)
- Call before 8am or after 9pm (FDCPA violation)
- Lie about debts (fake amounts, expired debts)
Know Your Rights Under the Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) protects consumers from harassment, intimidation, and privacy violations by debt collectors. Originally enacted in 1977 (not 1966) and later updated in 2006, this law sets clear guidelines on how debt collectors can contact and collect overdue payments.
How the FDCPA Protects You
Before the FDCPA, debt collectors used aggressive and unethical tactics. Today, the law ensures that debt collectors:
✔️ Cannot harass, threaten, or intimidate you
✔️ Must send written validation of your debt within 5 days of first contact
✔️ Cannot call outside legal hours or at your workplace (if you request them not to)
✔️ Must respect your privacy and cannot disclose your debt to others
Who Are Debt Collectors?
Debt collectors include companies like AFNI, Midland Funding, Midland Credit Management, Transworld, Encore Capital, and LVNV Funding. If they violate FDCPA regulations, you may be entitled to $1,000+ per violation—and we’re here to help you fight back!
Watch Out for Scams!
Not all debt collectors are legitimate. Be cautious and never share your debit or credit card details unless you have received a written validation notice.
Take Action & Protect Your Rights!
❌ Didn’t receive a debt validation letter within 5 days?
❌ Experiencing illegal collection tactics?
👉 You may have a case! Claim your FREE review now and let our expert attorneys fight for you.
