Are they calling multiple times a day, contacting your workplace, your neighbors, and your relatives? Are they making threats over the telephone to take your property, garnish your wages, or freeze your bank account?

Did you know it is illegal for a debt collector to:
  • Harass you with repeated phone calls
  • Use obscene, profane, or abusive language
  • Call you before 8 AM or after 9 PM
  • Leave a voice mail message regarding a debt
  • Threaten to show up at work
  • Call you at work if you have told them your employer prohibits such calls
  • Discuss your debt with your employer, co-workers, neighbors, friends, or family members
  • Call or write you if you have told them you have retained an attorney
  • Misrepresent the amount, status, or nature of the debt
  • Demand a larger payment than permitted by law
  • Fail to identify themselves when they call you
  • Threaten violence or damage to your property
  • Threaten to have you arrested
  • Threaten any action that they do not intend to pursue or cannot pursue.

Debt collectors must comply with a Federal Law called the Fair Debt Collection Practices Act (FDCPA)