Need Help? Free Consultation
(888) 508-6205
Need Help? Free Consultation
(888) 508-6205Relentless phone calls, threats, and harassment from debt collectors aren’t just upsetting—they’re against the law. The Fair Debt Collection Practices Act (FDCPA) empowers you to take action.
American Legal Shield leverages this federal law to shut down abusive collection tactics and make violators answer for their actions.
The FDCPA outlines specific rules that debt collectors are legally required to follow. When those rules are broken, it’s a violation of your rights. It doesn’t matter whether the debt is valid — you are still entitled to fair and respectful treatment. We work with clients to hold abusive debt collectors accountable for crossing the line.
Once you hire us, the harassment ends. We act quickly to enforce your protections under the FDCPA.
We issue a cease and desist letter requiring the debt collector to stop contacting you. From that point forward, all communication goes through us, not you.
Our team collects all proof of illegal activity — every call, letter, or threat — to build a solid case against the collector.
We sue the collector on your behalf. Under the FDCPA, you may be entitled to up to $1,000 in statutory damages, plus compensation for the harm caused.
The most powerful step you can take is to keep detailed records. The stronger your documentation, the stronger your legal case will be.
Follow these simple steps to protect yourself:
The FDCPA contains a fee-shifting clause that works in your favor. If we win your case, the debt collector responsible for the violation must cover our legal fees and court costs. This ensures that you pay nothing out of pocket — ever. You’ll never receive a bill from us.
Learn more about our commitment to protecting consumer rights.
In most situations, no. Collectors are only permitted to reach out to third parties to verify your location or contact details. They cannot disclose your debt to your relatives, friends, or workplace—it’s against the law.
Just tell the collector directly, either on a call or in writing, that you’re not allowed to receive calls at your workplace. Once informed, they’re legally prohibited from calling your job again.
Even if the debt is real, the law still protects you. Collectors must treat you with fairness and respect, no matter your financial situation. The FDCPA applies whether or not the debt is valid.
Under the FDCPA, you usually have one year from the date the harassment occurred to file a legal claim. Acting quickly is essential to protect your legal rights and build a strong case.
You shouldn’t have to deal with another threatening call. Federal law gives you the power to put an end to it — and we’re here to help. Reach out for a free, private consultation and let us take action on your behalf.