We Stop Collection Calls and Protect Your Rights
Kimmel & Silverman consumer attorneys stop debt collector harassment. Our legal team can protect you against abusive collection practices, stop unwanted phone calls, and get you compensated up to $1,000.
Dedicated Team of Consumer Law Attorneys
Our dedicated team of consumer protection attorneys have helped tens of thousands of consumers, providing free and low-cost legal services since 1991.
Know Your Rights Under the FDCPA
The Fair Debt Collections Practices Act (FDCPA) gives you the right to fight back against debt collector harassment.
Debt collectors cannot:
- Call you if you've told them to stop calling.
- Call you at work without your permission.
- Call your friends or family about your debt or call more than once trying to locate you.
- Use obscene language over the phone.
- Threaten you or your property.
- Be harassing or abusive.
Protect Yourself From Debt Collector Harassment
- No matter what a collector says to you, be polite and courteous (but firm) in your communications.
- Ask if a call is being recorded, and if it is, tell them you do not consent to the call being recorded. If they refuse to stop recording, hang up the phone.
- Do not confirm information such as Social Security numbers (even the "last four" digits), your address, or other personal information, such as where you bank.
- Tell collectors that you no longer want them to call you by telephone and that you consider it harassing. Then write down the name of the person you are speaking to, as well as the time and date you told them to stop calling.
- Write the names of collectors who call after you have told them to stop, noting the date and time of each call.
- Keep track of every call, including collector name, company name, and the phone number on your caller ID.
- Maintain a record when the calls are received, noting the time of day, the day of the week, the debt they say they are calling about, and the names of agencies who call you.
- If collectors have called family, friends, employers, or co-workers, keep a list of those calls, names, dates, and times.
- Save copies of every letter or notice you receive in the mail.
- If you receive a letter from the debt collector, reply in writing within 30 days of receipt, demanding validation of the debt. Tell them you dispute, pending your review of the validation documents provided. Send your reply by Certified Mail and save the receipt, green card, and a copy of your letter.
Our consumer lawyers can help you with this process to stop debt collector harassment permanently.
Contact us for your FREE case review.