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
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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!
Simply fill out our quick and easy questionnaire and send us any supporting documents. It’s that simple!
Simply fill out our quick and easy questionnaire and send us any supporting documents. It’s that simple!
Debt Collectors Violate the Law When They…
Debt Collector Breaks the Law when:
Use abusive or offensive language (swearing, discrimination)
Call outside legal hours (before 8 AM or after 9 PM – FDCPA violation)
Call excessively (8+ times per week)
Lie about your debt (inflated amounts, expired debts)
If you answered yes to ANY of these, you could have a case worth $1,000
Things Debt Collectors CANNOT DO
Threats of violence or criminal prosecution for unpaid debts.
Threat, False Statements, Wrong Amount.
Calling you twice in seven days after you spoke.
Contact Your Family, Friends, or Employer About Your Debt. Embarrassing.
Misrepresent your debt (fake amounts, expired debts)
Failed to give you a mini Miranda.
Using wrong amount.
Misrepresenting themselves or the debt, such as claiming the collector is an attorney when they are not.
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 Originally enacted in 1977 (not 1966) and later updated in 2006, this law sets clear guidelines on how debt collectors can contact and collect overdue payments.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.
At Freedom from Debt, LLC, we are passionate about empowering individuals and businesses by offering expert legal guidance and unwavering support. Our dedicated team of skilled attorneys specializes in consumer protection laws, with a primary focus on the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
Get A free Case review
By checking this box, I consent to receive transactional messages from Freedom from Debt, LLC regarding my legal case, consultations, appointments, billing notices, or document updates.
Message frequency may vary. Message & data rates may apply. Reply HELP for assistance or STOP to opt out at any time.
By checking this box, I consent to receive marketing and promotional messages from Freedom from Debt, LLC which may include legal insights, firm updates, service offers, and event invitations.
Message frequency may vary. Message & data rates may apply. Reply HELP for assistance or STOP to opt out.
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