Debt Collection Harassment
Harassing calls, threats, and abusive tactics from debt collectors are illegal under the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA). Debt collectors cannot threaten you, call you repeatedly at odd hours, or misrepresent the amount you owe. We stop the harassment, protect your rights, and hold collectors accountable—often securing compensation for the stress and harm they cause.
Your Rights
Under the FDCPA, FCCPA, and related laws, you have the right to:
Demand collectors stop contacting you.
Be free from threats, profanity, or abuse.
Dispute inaccurate debts.
Request written debt verification.
Sue for damages when collectors break the law.
Possible Damages
If collectors violate your rights, you may be entitled to:
Statutory damages up to $1,000 per case.
Compensation for emotional distress.
Lost wages reimbursement.
Punitive damages for misconduct.
Attorney’s fees and court costs.
What Clients Ask us Most
Do I need a lawyer to stop harassment?
You are allowed to assert your rights on your own, but when debt collectors continue harassing you, ignore requests to stop, or use unlawful tactics, legal representation can be critical.
Debt collectors are governed by strict federal and state laws. When those laws are violated, an attorney can take immediate action to stop the conduct and pursue compensation on your behalf.
Can a collector contact me at work?
Collectors may not contact you at work **if they know or are told that your employer prohibits such calls**. Once notified, continued contact at your workplace may be unlawful.
You also have the right to limit or stop communications altogether by making a written request.
What if the debt isn’t mine?
If the debt does not belong to you, the collector **must stop collection efforts unless they can properly verify the debt**. Attempting to collect a debt from the wrong person, or continuing collection after being notified of an error, may violate the **Fair Debt Collection Practices Act (FDCPA)** and applicable state law.
You have the right to dispute the debt and demand validation.
A debt collector is calling me constantly and making threats. What are my rights?
Debt collectors are prohibited from:
- Harassing or repeatedly calling to annoy or intimidate
- Making threats they cannot legally carry out
- Using abusive, deceptive, or misleading language
- Misrepresenting the amount, status, or legal consequences of a debt
If a collector engages in this conduct, you may be entitled to **statutory damages, actual damages, and attorney’s fees**, even if you do not owe the debt.
Can they call my friends or family?
Generally, no. Debt collectors are **not allowed to discuss your debt with friends, family members, or third parties**. At most, they may contact someone once to request location information — and even then, they cannot disclose that you owe a debt.
Repeated or improper third-party contacts often violate consumer protection laws.
Federal Consumer Protection Areas And Consumer Injury Advocacy
