Most of us have debt.  When we fall behind on payment of those debts, a debt collector has the right to contact us in a reasonable attempt to collect the debt.

When those attempts become unreasonable, resulting in harassment, it crosses the line established by the Fair Debt Collection Practices Act (FDCPA) in 1977.

Abusive Practices of debt collecting:  FDCPA abolished deceptive, abusive and threatening collection practices because those practices contribute to the number of personal bankruptcies, marital instability, job loss and loss of privacy.

A debt collector must identify the true firm name, the collector’s name, and cannot threaten jail or lawsuit if neither is warranted.  The collector cannot threaten job loss, or harass the debtor at work once informed that debtor is not allowed to receive calls at work.  If a consumer asks the collector to cease communication in writing, other than to notify of this and to inform of legal steps, the collector must cease to contact.

If you feel your rights have been violated, you may be entitled to compensation.  Talk to an experienced lawyer right away: contact us at for your local attorney, experienced in the practice of defending FDCPA rights.  Stop the abuse.