FAQ’s

ARE DEBT COLLECTORS HARASSING YOU?

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)