Harassment works because it relies on fear. Debt collectors know that if they call enough times, use aggressive enough language, and threaten vague legal consequences, most people will pay just to make it make stop.
But you don't have to live in fear. The law is on your side.
4 Ways to Strike Back
1. The "Dispute" (Validation Letter)
If you send a written dispute within 30 days of their first contact, they must stop calling until they provide written proof of the debt. If they can't prove it, they can't collect it.
2. The "Shield" (Cease & Desist)
Send them a Cease and Desist letter via Certified Mail. Once they sign for it, it is illegal for them to contact you again. Period.
3. The "Report" (CFPB Complaint)
File a complaint with the Consumer Financial Protection Bureau. It takes 5 minutes. The government creates a permanent record of their abuse, which helps investigations.
4. The "Hammer" (Sue Them)
This is the most effective step of all. If a collector violates the FDCPA, you can sue them for up to $1,000 in statutory damages plus your legal fees. Imagine turning the tables: instead of you paying them, they pay you.
We Sue Harassing Debt Collectors For Free
At Hyslip Legal, we make the harassment stop immediately. We take your case on a contingency basis, meaning the debt collectors pay our bills, not you.