Debt Collection & Harassment

Collectors must follow strict laws under the Fair Debt Collection Practices Act (FDCPA). Many break the rules expecting consumers not to fight back.

Illegal tactics include:

• Calls before 8 AM or after 9 PM

• Contacting your employer or family

• Threatening legal action without basis

• Refusing to stop contact when requested

What to do if you are experiencing debt collection harassment:

• Save voicemails, letters, and screenshots

• Ask for everything in writing

• If you’re being sued, call us immediately

Debt Collection & Harassment FAQs:

Can a debt collector call me at work?

• Only if your employer allows it. Under the Fair Debt Collection Practices Act (FDCPA), collectors must stop contacting your workplace if you tell them that your employer prohibits such calls — even verbally.

What if the debt isn’t mine or I already paid it?

• You have the right to dispute the debt in writing within 30 days of first being contacted. Once you do, the collector must stop collection efforts until they provide verification of the debt.

Can a debt collector threaten to arrest me or have me jailed?

• Absolutely not. Threatening arrest or jail for unpaid consumer debts is illegal. If a collector does this, they are violating federal law, and you may be entitled to monetary damages.

How do I stop a debt collector from contacting me?

• You can send a written “cease communication” request under the FDCPA. After receiving your letter, they can only contact you to confirm they’re stopping collection or to notify you of a specific legal action. Use a Sample Stop Contact Letter from the CFPB.  

Helpful resources:
- FTC Debt Collection FAQs: Debt Collection FAQs | Consumer Advice  
- CFPB Stop Contact Letter: How do I get a debt collector to stop calling or contacting me? | Consumer Financial Protection Bureau