STOP ILLEGAL DEBT COLLECTION (FDCPA)
SUED BY A DEBT COLLECTOR? WE SUE BACK!
Under the Fair Debt Collection Practices Act (FDCPA), debt collection agencies must follow strict rules. When they cross the line, we sue them to stop the harassment—and recover up to $1,000 in statutory damages for you.
Common FDCPA Violations (Do You Have a Claim?)
WHAT DEBT COLLECTORS ARE LEGALLY FORBIDDEN FROM DOING
The federal Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair, deceptive, and abusive practices. A debt collector breaks federal law if they:
Harass or Abuse You: Calling repeatedly to annoy or harass, using profane/abusive language, or threatening violence or physical harm.
Call at Illegal Hours: Calling your phone before 8:00 AM or after 9:00 PM in your local time zone.
Contact Your Workplace: Calling your job after you (or your employer) told them that workplace calls are prohibited.
Tell Your Family or Boss About Your Debt: Contacting third parties (relatives, neighbors, co-workers) and disclosing your private debt details.
Lie About Debt Amounts or Status: Misrepresenting the true amount you owe, adding illegal unauthorized fees, or pretending to be an attorney or court official.
Threaten Unlawful Actions: Threatening to arrest you, garnish your wages without a court judgment, or take your property when they have no legal right to do so.
Fail to Send Written Verification: Failing to send a formal written debt validation notice within 5 days of their initial contact.
Statutory Cash Recovery & Damages
YOU COULD RECOVER UP TO $1,000 IN CASH DAMAGES
If a debt collector violates the FDCPA, you don't just get them to stop—you can sue them for financial recovery:
Up to $1,000 Statutory Damages: Federal law allows courts to award up to $1,000 in statutory damages for FDCPA violations, even if you didn't lose direct money.
Actual Damages: Recovery for actual financial losses, lost wages, or severe emotional distress caused by their illegal harassment.
Debt Erasure / Favorable Settlements: In many cases, establishing clear FDCPA violations gives us the legal leverage to force the collector to dismiss the underlying debt or delete negative marks from your credit.
Zero Out-of-Pocket Legal Fees
OUR GUARANTEE: THE DEBT COLLECTOR PAYS OUR FEES
Federal law includes a strict fee-shifting provision designed to help everyday consumers fight back against corporate debt collectors.
When we prove an FDCPA violation, the court forces the debt collector to pay our legal fees and court costs—not you. We evaluate and take viable harassment cases with zero out-of-pocket costs to you.
Simple Steps to Build Your Harassment Case
- DOCUMENT THE CALLS: Keep a detailed log of dates, times, and phone numbers of every collection call.
- SAVE VOICEMAILS & LETTERS: Save all harassing voicemails, text messages, collection letters, and debt notices.
- TEXT OR CALL DOUG DERN: Snap a picture of collection letters or text call logs directly to 248-882-0838 for an immediate, confidential case review.
Fast FDCPA Case Evaluation Form
STOP DEBT HARASSMENT NOW