A debt collector threatening you with arrest is one of the most common — and most explicitly illegal — tactics in the industry. Under FDCPA § 1692e(4), the moment they made that threat, they handed you a federal case. Here's what to do with it.
Workplace harassment after notice is a clear FDCPA violation — and one of the easiest to prove. Here's exactly what the law says and how to document it.
A written stop-contact request creates a legal obligation. But the wording matters. Here's the template and the common mistakes that accidentally waive your rights.
The CFPB's 2021 Regulation F created a bright-line rule: 7 calls in 7 days. If they crossed it, that's a federal violation with a paper trail in your phone records.
A step-by-step look at the FDCPA lawsuit process: finding an attorney, the free consultation, how cases typically resolve, and what the timeline looks like.
Medical debt has unique protections — from credit reporting rules to validation requirements. Collectors violate these constantly. Here's what applies to your situation.
Within 30 days of first contact, you can force a collector to prove the debt is yours and the amount is accurate. Most people never ask. Here's the letter and what happens next.
Every debt expires for legal purposes. Threatening to sue on time-barred debt is potentially illegal. Here's how to find out if your debt is past the limit — by state.
The FDCPA is a federal floor — many states have built additional protections on top. California, New York, and Texas all have stronger rules. Here's the full breakdown.