You’re protected from debt collection abuse under two federal laws.

Here’s what you need to know:

  • The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from harassing, threatening, or embarrassing you.
  • The Telephone Consumer Protection Act (TCPA) prohibits debt collectors from "robocalling" your cell phone.
  • You can sue debt collectors for $1,000 under the FDCPA plus up to $1,500 per call under the TCPA.
  • Our legal help is free for you!

Your rights in depth

  • Your right to sue a debt collector

    If you’ve been harassed, threatened, misled or embarrassed by debt collectors, you can sue them in federal court.

    Read more
  • Your right to dispute a debt

    You can dispute a debt within 30 days of receiving a validation notice from a debt collection agency.

    Read more
  • Your right to be treated with dignity

    By law, debt collectors cannot harass you, embarrass you, threaten you, or mislead you.

    Read more
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