— Fair Debt Collection Practices Act — FDCPA

Being Harassed by a Debt Collector? You May Be Owed Up to $1,000 — At No Cost to You.

Federal law bans abusive calls, threats, and lies from debt collectors. Our attorneys stop the harassment fast and pursue compensation on contingency — you never pay a fee unless we win.

Tell Us What's Happening — It's Free

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— Know Your Rights

Is This Happening to You?

The FDCPA makes these debt-collector tactics illegal. If even one sounds familiar, you likely have a case — and it costs nothing to find out.

Calling More Than 7 Times a Day

Repeated or continuous calls meant to annoy or wear you down are considered harassment under federal law.

Calling Before 8am or After 9pm

Collectors can only contact you during these hours — and never at a time you've said is inconvenient.

Threats, Cursing, or Abusive Language

Repeated or continuous calls meant to annoy or wear you down are considered harassment under federal law.

Threats of Arrest, Lawsuits, or Wage Garnishment

Collectors can't threaten legal action, jail time, or property seizure they don't actually intend to pursue.

Contacting Family, Friends, or Your Employer

Collectors generally may only contact third parties once, and never to disclose the existence of your debt.

No Written Debt Validation Notice

Within 5 days of first contact, collectors must send written proof of the debt, amount, and your dispute rights.

Ignoring Your Written Dispute

Once you dispute a debt in writing within 30 days, all collection must stop until they verify it.

Contacting You After a Cease & Desist Letter

Once you send a formal cease-and-desist, the collector may only contact you one more time by mail.

If even ONE of these sounds familiar, you may have a case — and it’s free to find out.
— What's At Stake

What You Could Recover

The FDCPA is designed to punish illegal collectors — not cost you a dime.
Statutory Damages

Up to $1,000

Awarded per lawsuit for FDCPA violations — regardless of whether you can prove actual harm.

Actual Damages

Case-Specific

Compensation for real harm caused by the harassment — emotional distress, lost wages, medical costs.

Attorney's Fees & Costs

Paid By Them

When a collector breaks the law, they — not you — are required to cover our legal fees.

Contingency fee model: you pay nothing upfront, and nothing at all unless we win.
— The Process

How It Works

Most clients tell us the harassment stops within days of reaching out.

1

Tell Us What's Happening

Fill out the free 2-minute form above, or call/text 877-700-5790. No cost, no obligation.

2

We Investigate & Take Action

Our attorneys review your evidence and contact the collector directly to stop the harassment fast.

3

You Get Relief

The collector — not you — pays our legal fees, and you may recover damages for the violation.

Pro tip: Use our free CaseVox app to record calls, save voicemails, and organize every detail of the harassment — strong documentation makes for a stronger case.

— Real Clients, Real Results

What Our Clients Say

Verified reviews from clients we’ve helped stop debt collector harassment.

“Worked with Matthew after hearing about them previously on BBB. We did everything over text due to my work schedule. With just a couple of screenshots and an audio recording I forwarded, they took care of everything for me from start to finish, free as promised. They completely stopped the harassment within a week... it was the best Christmas gift I could've gotten.”
Eric Arlan
Posted on Google — verified review
“At 50 years old, I don't generally write Google reviews, but this one I write with pleasure! I had been threatened by a collection agency off and on for years over a debt that had actually been paid off in full. They contacted my family, my ex-husband's family, and my current husband's family. This team stepped in and finally put a stop to it.”
Gordon & Tiffany Lester
Posted on Google — verified review
If even ONE of these sounds familiar, you may have a case — and it’s free to find out.
— Life After The Calls Stop

You Don't Have to Live Like This

Debt collectors are counting on you not knowing your rights. Once we get involved, most clients see the harassment stop within days — and many walk away with compensation for what they went through.

— Common Questions

FDCPA Frequently Asked Questions


You generally have one year from the date of the violation — not when you discovered it — to file a claim. Don’t wait to talk to an attorney once you suspect a violation.

Collectors may only call between 8:00am and 9:00pm in your time zone, and never at a time you’ve told them is inconvenient (such as while you’re at work).

No — the FDCPA only protects debts of a personal, family, or household nature. Business debts aren’t covered, though other consumer protection laws may still apply.
Nothing upfront. We work on contingency, and the law requires violating debt collectors to pay our attorney’s fees — not you.

Call us immediately at 877-700-5790. You may still have FDCPA counterclaims even if you’ve been sued for the underlying debt, and there are strict deadlines to respond.

The FDCPA is the primary federal law, but the FCRA and TCPA also prohibit abusive, deceptive, and unfair collection practices — we evaluate your case under all of them.

— Free · Confidential · No Obligation

Stop the Harassment. Talk to Us Today.

Stop the Harassment. Talk to Us Today.