We send the cease-communication letter
Under FDCPA §805(c), a written demand stops all phone contact. The collector can only confirm receipt or notify you of legal action. Calls stop, usually within days.
Debt collector harassment
Debt collectors fold fast when you cite the law.
FDCPA gives consumers a private right of action with $1,000 statutory damages per violation plus attorney's fees. Cease-comm letters are protected. Validation demands are mandatory. Most collectors stop calling within days when they realize you know the rules.
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Sound familiar?
If any of this is happening to you, we can help.
Repeated calls (multiple times per day or week)
Calls before 8am or after 9pm in your time zone
Threatening lawsuit, arrest, or wage garnishment
Calling your workplace after being told not to
Talking to your family or friends about the debt
Refusing to verify the debt in writing
Trying to collect a debt past the statute of limitations
How we handle it
The procedural side, on autopilot.
We demand validation in writing
FDCPA §809 gives you 30 days from first contact to demand validation. The collector must produce: amount owed, original creditor, chain of ownership. Most can't, especially for older or transferred debts.
We document violations for damages
Each FDCPA violation = $100-$1,000 statutory damages plus attorney's fees. Many consumer-rights firms take these on contingency. We catalog the violations as evidence.
Example outcome
$2,000
FDCPA settlement for repeat-call and threat violations
Resolved in 44 days
Anonymized · individual outcomes vary
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Common questions
Answered.
- FDCPA still applies regardless. The law restricts how collectors can collect, not whether the debt exists. Even legitimate debts have to be collected within the rules. Plus, validation demands often trip up collectors regardless of debt validity.
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