Report a Debt Collector Issue
Know your rights. Document everything.
Debt collectors have rules. When they break them, you have rights.
The Fair Debt Collection Practices Act (FDCPA) protects you. Collectors who harass, misrepresent, or contact you improperly could owe you up to $1,000 per violation.
What the FDCPA Prohibits and Potential Damages
- Calling before 8am or after 9pm$1,000+
- Contacting you at work after being told not to$1,000+
- Threatening violence or illegal harm$1,000+
- Using obscene or abusive language$1,000+
- Contacting you after a written cease & desist$1,000+
- Misrepresenting the debt or legal status$1,000+
The 7-in-7 Rule
In some states collectors can't place more than 7 calls within 7 days. This rule applies in: CA, FL, MA, MI, MO, NC, PA, SC, TX.
How It Works
1
You Submit
Share what happened and any evidence you have.
2
We Review
We review what happened and your options.
3
Attorney Referred
Strong cases go to a lawyer for potential action.
Report the details
This form is for educational purposes and does not constitute legal advice.