What counts as debt collection harassment?

Harassment includes repeated phone calls intended to annoy or abuse, threats of violence or legal action not permitted by law, using obscene language, or publishing consumer details—actions banned under the FDCPA.

Can debt collectors legally call me all the time?

No. Under the FDCPA, collectors may not call repeatedly to harass, and can only call between 8 a.m. and 9 p.m. They must stop if you request in writing.

What should I do if a collector keeps calling after I ask them to stop?

Document each call (time, number, content), send a certified cease-and-desist letter, and if they continue, file complaints with the CFPB, FTC, or your state attorney general.

Can I sue a debt collector for harassment?

Yes. Under the FDCPA, you may sue for statutory damages of up to $1,000 plus actual damages, attorney fees, and court costs if harassment occurred within the past year.

Are there time limits to file a lawsuit for FDCPA violations?

You must file a suit within one year from the date the violation occurred—shorter in some states—so act promptly if you believe harassment is ongoing.

Can debt collectors contact my employer or family members?

Collectors may contact third parties only to locate you, not to discuss your debt. They cannot reveal debt details or call your workplace if asked to stop.

How can I validate that the debt is real before responding to calls?

Send a debt validation request within 30 days of first contact. The collector must provide proof. Until then, they cannot call you about that debt.

Stop National Debt Collection Harassment!

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

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Stop National Debt Collection Harassment❗

Is National Debt Collection harassing you with constant phone calls? Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop National Debt Collection harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.

Introduction to Debt Collection

Debt collection is the process of pursuing the payment of debts owed by individuals or businesses. Debt collection agencies, such as National Debt Collection, play a crucial role in this process. These agencies work on behalf of creditors to collect debts that are past due. It is essential for consumers to understand their rights and the fair debt collection practices that debt collectors must follow. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors, including National Debt Collection. This law protects consumers from abusive and unfair debt collection practices.

Who is National❓

National is a third-party debt collector. You may receive calls from National regarding debts from Reel Time Capital, APD or Advance America.

Understanding the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a cornerstone of consumer protection law, designed to regulate the behavior of debt collectors, including companies like National Debt Collection. Under the FDCPA, debt collectors are prohibited from using abusive, deceptive, or unfair practices to collect debts. This means they cannot make false or misleading statements, use threats or intimidation, or contact you at inconvenient times or places. Understanding your rights under the FDCPA is crucial in protecting yourself from harassment. If National Debt Collection is suing you, it’s essential to seek the advice of an attorney who can help you navigate the legal process and ensure your rights are upheld. Remember, the law is on your side when it comes to fair debt collection practices.

National Debt Collection Harassment Examples

If National Debt Collection engages in any of the following tactics, you may have a case:

🚫 Using profanity or abusive language
⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
📞 Calling you multiple times per week
🗣️ Talking to others about your debt
🏢 Calling your workplace
⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
❌ Telling you or anyone else that you’ve committed a crime
🔁 Calling repeatedly for the wrong person
📜 Failing to notify you of your right to dispute the debt
💰 Trying to collect more than legally allowed

State Regulations and Protections

Beyond the FDCPA, each state has its own set of regulations and protections for consumers dealing with debt collection. State laws further prohibit debt collectors from making false or misleading statements and require them to provide specific information about the debt, such as the amount owed and the name of the creditor. It’s vital to familiarize yourself with these state-specific laws to better protect yourself. Resurgent Capital Services, which manages National Debt Collection portfolio of accounts, must also adhere to these regulations. If you find yourself being harassed or sued by a debt collector, consulting with an attorney can provide you with the guidance needed to navigate these protections effectively.

Protecting Yourself from Harassment

If you’ve recently been notified that your account has been transferred to a new owner, such as National Debt Collection, it’s important to take proactive steps to protect yourself from potential harassment. Start by verifying the debt to ensure that the new owner has the right to collect it. Keep detailed records of all communications with the debt collector. Be aware of your rights under the FDCPA and state laws, and don’t hesitate to seek legal advice if you feel harassed or are being sued. As a new owner of debt, you might be contacted by Resurgent Capital Services or its collection agency partners. Knowing how to respond to these contacts and protect your rights is crucial. Remember, you have the right to dispute the debt and seek legal assistance to resolve the matter. Don’t let debt collectors like National Debt Collection intimidate you, stand firm, know your rights, and take action to protect yourself.

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the National Debt Collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from National Debt Collection. call us at 877-700-5790 for immediate assistance or visit our website.

Success Stories

🏆 I never thought dealing with a law firm could be this easy and stress-free. From my first call with Consumer Rights Law Firm PLLC, they made me feel valued and heard. The process was straightforward, and they did all the heavy lifting—collecting documents, filing the paperwork, and handling the legal back-and-forth. They were respectful, knowledgeable, and genuinely wanted to help me. If you’re being harassed by a debt collector, don’t wait—call them immediately. They’ll take care of everything.
🏆 I was receiving dozens of calls each week from a company that wouldn’t stop—even though I had already asked them to. It was affecting my work and my mental health. I found Consumer Rights Law Firm PLLC online and filled out a short form. Within 24 hours, someone called me and walked me through everything. They sent a cease-and-desist letter, gathered evidence, and filed a legal complaint. Soon after, the calls completely stopped. I even received a small settlement. I can’t thank this firm enough for what they’ve done.
🏆 After doing some research on law firms that specialize in consumer rights, I found Consumer Rights Law Firm PLLC and decided to reach out. It turned out to be the best decision I could’ve made. Their lawyers were incredibly knowledgeable about FDCPA violations, and they quickly built a solid case for me. I didn’t realize how many rules debt collectors have to follow until this team explained everything. They stood up for me when no one else would and made sure the harassment ended for good.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.