InDebted USA, Inc. Debt Collection Harassment?
InDebted USA, Inc. Debt Collection Harassment? Debt collection harassment happens when a collector uses unfair, abusive, or deceptive tactics. Dealing with debt is stressful enough on its own. Add an aggressive debt collector to the mix, and the stress can quickly become overwhelming. If you’ve ever received threatening phone calls about unpaid bills, repeated calls at odd hours, or intimidating letters, you may have experienced what’s known as debt collection harassment — and it’s exactly what the Fair Debt Collection Practices Act (FDCPA) was designed to stop.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets rules for how third-party debt collectors can contact and deal with consumers. It applies to consumer debts (like credit cards, medical bills, personal loans), not business debts.
What Does the FDCPA Say About Harassment?
One of the central protections under the FDCPA is the prohibition against harassment or abuse. Debt collectors can try to collect a valid debt, but they cannot cross the line into intimidation or deceit.
Here are examples of harassment and prohibited conduct under the FDCPA:
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Excessive or repeated calls: Calling you multiple times a day to annoy or pressure you.
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Calls at inconvenient times: Contacting you before 8 AM or after 9 PM, unless you agree otherwise.
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Contacting you at work: If you tell them verbally or in writing that your employer doesn’t allow these calls, they must stop.
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Threatening violence or harm: Any threat of physical harm is illegal.
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Using obscene or profane language: They must remain professional.
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Publicly disclosing your debt: They can’t tell neighbors, family, or co-workers about your debt, except to locate you (with strict limits).
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Threatening legal action they can’t take: For example, threatening to arrest you or garnish wages when they don’t have that power.
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Misrepresenting who they are: Pretending to be a lawyer or law enforcement officer when they’re not.
Your Right to Be Informed
The FDCPA doesn’t just protect you from harassment — it also gives you rights to understand the debt being collected.
Within five days of first contacting you, a debt collector must send you a written notice called a validation notice. This must include:
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The amount of the debt.
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The name of the original creditor.
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A statement that you have the right to dispute the debt within 30 days.
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Instructions on how to dispute the debt or request more information.
If you don’t think you owe the debt or believe the amount is wrong, you have the right to request debt validation. If you do so within 30 days, the collector must stop collecting until they provide verification.
When to Talk to a Lawyer
If you believe a collector has crossed the line — for example, by threatening arrest, cursing at you, contacting third parties, or ignoring your written dispute — talk to a consumer protection attorney. Many offer free consultations, and under the FDCPA, the collector pay your legal fees if you win. You may be entitled to statutory damages up to $1000.00.
About InDebted USA, Inc.
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A third-party debt collection agency based in Missouri, accredited by the BBB (rated B) since 2010 https://www.bbb.org/us/mo/saint-peters/profile/collections-agencies/indebted-usa-inc-0734-310359844
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Serves clients like Klarna, Zip, Upstart, and others across the U.S., using tech-driven and customer-first methods
- There have been 44 complaints filed in the last 3 years, and 32 complaints closed in the last 12 months.
Address:
5301 Veterans Memorial Pkwy Lbby 204
Saint Peters, MO 63376-3797
- Alternate Names:
- Delta Outsource Group Inc
How to Respond If Contacted by Them
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Request debt validation in writing within 30 days to get details (original creditor, amount, account info) .
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If debt isn’t yours or the amount is wrong, use InDebted’s dedicated dispute forms:
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“The debt does not belong to me” dispute form bbb.org+12indebted.co+12indebted.co+12.
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Fraud-specific form if the debt is due to identity theft.
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They must respond within 15 business days, but they’ll let you know if they need more time indebted.co.
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Escalate complaints by:
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Calling 888‑306‑3160
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Emailing feedback@indebted.co
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Mailing to their PO Box in Farmington, MO
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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. Contact a legal professional to stop Northwestern Mediation Services 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 Northwestern Mediation Services debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 From the receptionist to the attorneys, every member of the team was kind, attentive, and truly helpful. They made the process easy to understand and were always available to answer my questions. I never felt alone or confused. Thanks to their work, the harassment ended, and I could finally relax. If you’re looking for a reliable law firm to deal with abusive debt collection, look no further.
- 🏆 I reached out after receiving endless calls from a collector that wouldn’t take “no” for an answer. Consumer Rights Law Firm, PLLC responded quickly, reviewed my documents, and filed a complaint within days. They were sharp, responsive, and incredibly knowledgeable. The results spoke for themselves—no more calls, and a settlement in my favor. I highly recommend them to anyone tired of being pushed around.
- 🏆 I contacted Consumer Rights Law Firm, PLLC after reading positive reviews. My case involved repeated calls, voicemails, and letters from a collection agency that wasn’t even verifying my debt. The firm’s attorneys stepped in immediately, sent a cease and desist, and gathered evidence to support my claim. The harassment stopped, and I felt protected throughout the process. Their knowledge of consumer protection laws is unmatched.
Additional Resources:
https://consumer.ftc.gov/articles/debt-collection-faqs