FDCPA Attorney — Stop Debt Collector Harassment & Recover Damages
We sue on your behalf, and the debt collector pays our fees — you pay nothing out of pocket.
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Signs You're Being Harassed
If any of these sound familiar, you may have a case worth thousands.
Calls at Prohibited Times
Calling before 8 a.m. or after 9 p.m. in your time zone is a federal violation.
Threats of Arrest or Jail
Collectors cannot threaten legal action they have no authority to take.
Contacting Third Parties
Calling your employer, family, or friends about your debt is illegal.
Repeated Harassing Calls
Calling repeatedly to intimidate or annoy you violates the FDCPA.
Lying About What You Owe
Misrepresenting the debt amount or who they are is a deceptive practice.
Ignoring Cease & Desist
Continuing contact after receiving your written cease and desist letter.
Constant phone calls. Threats that aren't legal. Collectors contacting your family or your employer. If a debt collector is breaking the law, an FDCPA lawyer can make it stop — and under federal law, the collector pays the price, not you.
At Hyslip Legal, we hold abusive debt collectors accountable. We sue on your behalf and the collector pays our fees, so you pay nothing out of pocket. With $50M+ recovered and 10,000+ cases won, we know how to fight back.
Contact Us Online — no upfront costs, and we only get paid if you win.
What Does an FDCPA Lawyer Do?
An FDCPA lawyer enforces the Fair Debt Collection Practices Act on your behalf: they stop abusive debt collectors, sue violators in federal court, and recover statutory damages, actual damages, and attorney's fees. Because the FDCPA shifts fees to the collector who broke the law, you pay nothing out of pocket.
In practice, that means we:
- Make the harassment stop — once you have counsel, collectors must go through us, not you
- Investigate and document the violations of the FDCPA and any state law
- Send a demand or file suit in federal court on your behalf
- Pursue your damages — up to $1,000 in statutory damages plus actual damages, with the collector paying our fees
Want the full breakdown? Read how an FDCPA attorney can help.
Act fast: you have just one year from the date of the violation to sue under the FDCPA (15 U.S.C. § 1692k(d)). Once that deadline passes, the claim is barred — so don't wait to get a free review.
Common FDCPA Violations We Fight
The Fair Debt Collection Practices Act (FDCPA) is a federal law that bans abusive, deceptive, and unfair debt collection. When a collector crosses the line, you have the right to sue — and an FDCPA lawyer can make that happen.
Debt collectors violate the FDCPA when they:
- Call at prohibited times — before 8 a.m. or after 9 p.m. in your time zone
- Threaten arrest or jail time they have no authority to pursue
- Contact your employer, family, or friends about your debt
- Call repeatedly to harass or intimidate you
- Lie about the amount you owe or misrepresent who they are
- Fail to validate your debt after you request verification in writing
- Keep contacting you after receiving a cease and desist letter
Harassment isn't limited to phone calls. Under the CFPB's Regulation F, the FDCPA also covers how collectors reach you electronically:
- Excessive text messages — relentless texts with no clear way to opt out (see how collector texts can violate your privacy)
- Harassing emails — flooding your personal or work inbox with collection demands (learn how to respond to collector texts and emails)
- Social media messages — contacting you on Facebook, Instagram, or LinkedIn without privately identifying themselves as a collector
If you've experienced any of these violations, you may be entitled to up to $1,000 in statutory damages plus actual damages and attorney's fees.
Want the calls to stop now? Send a free cease and desist letter — and if a collector keeps contacting you afterward, that's a violation. Also watch for deceptive demands disguised as legal notices; learn to spot illegal debt collector lawyer letters. For more, see how to stop debt collection harassment.
Is Your Situation Covered? Common Debt Collection Scenarios
The FDCPA protects you no matter what kind of debt a collector is chasing. These are some of the most common situations we help with — find the one that fits and learn your rights:
- Medical bills — a collector calling about an ER bill you never agreed to, or any medical debt collection
- An ex-spouse's debt — still getting collection calls after a divorce, or contacted during a custody dispute
- A junk debt buyer — sued over an old debt bought for pennies on the dollar
- Texts that won't stop — a collector ignoring your "reply STOP" opt-out
- Online "dispute portals" — a website designed to strip your dispute rights
Don't see your exact situation? It may still be a violation — tell us what happened and we'll tell you honestly whether you have a case.
Why Choose Hyslip Legal as Your FDCPA Attorney
Not all law firms are built the same. When you're choosing an attorney to take on a debt collector, here's what sets Hyslip Legal apart. For more on evaluating your options, see our guide on how to choose the right FDCPA attorney.
No Upfront Costs — We Work on Contingency
Under the FDCPA, attorney's fees are paid by the debt collector who violated the law — not by you. That means there's no retainer, no hourly billing, and no financial risk on your end. If we don't win, you don't pay.
Proven Track Record Against Major Debt Buyers
We take on the country's largest major debt buyers — firms like Midland Funding, Portfolio Recovery Associates, and LVNV Funding that buy old debts for pennies and pursue consumers aggressively. We know how they operate. In Bundy v. Revco Solutions, we secured damages for a client hit with repeated illegal calls after asking them to stop. In Ahmed v. McDevitt, we held a collector accountable for deceptive practices and third-party disclosure. These are cases we handle every day.
Personalized Attention from Experienced Attorneys
When you contact Hyslip Legal, you hear directly from our team — not a call center, not an intake coordinator. We listen, we answer your questions, and we give you an honest assessment of your case from day one.
We Handle Federal and State Claims Together
The FDCPA isn't the only law on your side. Many states add their own protections — like the Florida FCCPA and the Illinois ICFA — so we evaluate every case for both federal and state claims to maximize your recovery. Comparing your options across debt, credit, and robocall claims? Start with our consumer protection overview.
Before Your Free Consultation: What to Gather
You don't need a perfect file to talk to us — but the more you can show, the faster we can spot violations. Before your free consultation, try to gather:
- Call logs showing dates, times, and how often the collector called
- Voicemails, letters, texts, or emails from the collector
- The name of the debt collector and the original creditor
- Notes on what was said — especially any threats or false statements
Our guide on what evidence to save for a debt collection case walks through it step by step. Missing some of it? We can still evaluate your case.
Ready to Take the First Step?
Contact us today for a free, confidential consultation about your FDCPA case.
Our 3-Step FDCPA Case Process
We move quickly and keep you informed at every step.
Free Consultation
Contact us online for a no-obligation review. We assess your situation within 24 hours and tell you honestly whether you have a case.
Case Evaluation & Demand
We analyze your call logs, texts, and letters to build a solid claim, then send a formal demand letter — or file suit in federal court — on your behalf. Many cases settle at this stage.
Resolution & Recovery
We pursue your settlement. Under federal law the collector pays our fees, and you recover statutory damages up to $1,000 per case plus any actual damages for emotional distress and financial harm.
Typical timelines: consultation within 24 hours, demand letter within 1–2 weeks, resolution within 3–12 months depending on complexity.
FDCPA Case Results
Our attorneys have recovered significant damages for clients facing illegal debt collection practices.
Bundy v. Revco Solutions
A collector kept calling our client — and third parties — after being told to stop. We sued under the FDCPA and secured a favorable settlement covering statutory damages, actual damages, and attorney's fees.
Read the full case result →Ahmed v. McDevitt
A collector used deceptive tactics and disclosed our client's debt to third parties, violating multiple FDCPA provisions. We litigated and obtained compensation reflecting the violations' severity.
Read the full case result →Past results do not guarantee a similar outcome. Every case is unique and results depend on individual facts and circumstances.
What Our Clients Say
"I was getting calls every day — at work, at home, even my mother was getting calls. Hyslip Legal made it stop and got me a settlement I didn't even know I was entitled to. I finally feel like I can breathe."
— Sarah M., Verified Client
"I thought I just had to deal with the harassment. My attorney at Hyslip Legal explained my rights and handled everything. I didn't pay a dime out of pocket and ended up with a check in my hand."
— James T., Verified Client
"Professional, responsive, and they actually cared about my situation. I would recommend Hyslip Legal to anyone dealing with debt collectors."
— Linda R., Verified Client
Client testimonials reflect individual experiences and do not guarantee similar results.
FDCPA vs. State Law Protections: Maximizing Your Recovery
Federal law isn't your only tool. Many states protect you further than the FDCPA — here's how the federal law compares to one of the strongest, the Florida FCCPA.
| FDCPA (Federal) | Florida FCCPA (State) | |
|---|---|---|
| Who's covered | Third-party debt collectors only | Third-party collectors and original creditors |
| Statutory damages | Up to $1,000 per case | Actual damages plus attorney's fees |
| Statute of limitations | 1 year from the date of violation | 2 years from the date of violation |
| Attorney's fees | Yes — paid by the violating collector | Yes — paid by the violating party |
Key takeaway: If a debt collector or an original creditor is breaking the law, you may have claims under both federal and state statutes. We evaluate every case for overlapping claims to maximize your total recovery.
If you're in Florida or Illinois, learn more about our Florida FCCPA attorney and Illinois ICFA attorney services.
Frequently Asked Questions About FDCPA Claims
What is considered debt collector harassment?
Under the FDCPA, debt collector harassment includes:
- Excessive calling — repeated calls meant to annoy, or calls after you've told them to stop
- Inconvenient hours — contact before 8 a.m. or after 9 p.m. your local time
- Deception — lying about the debt, posing as law enforcement, or sending fake legal papers
- Third-party disclosure — discussing your debt with neighbors, coworkers, or family
- Threats — threatening arrest, garnishment, or a lawsuit they don't intend to pursue
How much does an FDCPA attorney cost?
Nothing out of pocket. Under the FDCPA (15 U.S.C. § 1692k), the debt collector who violated the law is required to pay your attorney's fees if you win. At Hyslip Legal, we work on a contingency basis — you pay nothing upfront, and we only collect fees from the other side. There's zero financial risk to you.
What damages can I recover under the FDCPA?
If a debt collector violated the FDCPA, you may be entitled to:
- Statutory damages — up to $1,000 per lawsuit
- Actual damages — compensation for emotional distress, lost wages, or other financial harm caused by the violation
- Attorney's fees and court costs — paid by the debt collector, not you
In class action cases, statutory damages can reach up to $500,000 or 1% of the debt collector's net worth.
How long do I have to file an FDCPA lawsuit?
You have one year from the date of the violation to file an FDCPA lawsuit in federal court. After that, the statute of limitations bars your claim — regardless of how serious the violation was. If you believe a debt collector has broken the law, contact an FDCPA attorney as soon as possible to protect your rights.
Can I sue a debt collector for calling too much?
Yes. The FDCPA bars conduct meant to harass, oppress, or abuse you, and excessive calling is one of the most common violations. Courts weigh the frequency and timing of calls and whether they continued after you asked them to stop — repeated, intentional calling can support a federal lawsuit.
What evidence do I need for an FDCPA case?
The strongest FDCPA cases are supported by documentation. Useful evidence includes call logs showing dates, times, and frequency of collector calls; saved voicemails or recordings (where legally permitted); letters or written correspondence from the collector; text messages or emails; and notes about what was said during conversations. Don't worry if you don't have everything — our attorneys can help identify violations even with limited records. For tips on preserving your evidence, read our guide on how to document FDCPA violations.
Do I still owe the debt if I sue the collector?
An FDCPA lawsuit is separate from the underlying debt. Suing for violations doesn't erase the debt, and owing a debt doesn't excuse illegal tactics — your right to fair treatment applies regardless of whether the debt is valid. In some cases, a settlement may also resolve the debt.
For more answers, visit our frequently asked questions page.
Stop the Harassment — Get Your Free Case Review
The FDCPA gives you the right to fight back against abusive debt collectors — but the statute of limitations is only one year. Every review is free, confidential, and no-obligation.
This page constitutes attorney advertising. The information provided is for general informational purposes and does not constitute legal advice. Every situation is unique — contact Hyslip Legal for a free case review to discuss your specific circumstances. Submitting a contact form does not create an attorney-client relationship. Information submitted is not confidential until an engagement agreement is signed.
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Stop the Harassment
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Attorney Reviewed
Consumer protection guidance reviewed with the claim elements in view
This page is reviewed for legal accuracy by Jeffrey S. Hyslip, Founding Attorney at Hyslip Legal. It is provided as general information and not as a promise about any specific claim or outcome.
Consumer protection claims depend on the statute involved, the communications and records available, and whether the conduct supports federal, state, or combined claims.