TAKE ACTION
Join the fight against abusive debt collectors. Help stop them from preying on vulnerable people.
Call Congress
Contact your Member of Congress or Senator and tell them to end the abusive tactics used by debt collectors
Contact the CFPB
Contact the Consumer Financial Protection Bureau and tell them to reign in the abusive practices used by debt collectors
Recruit Your Friends
Everyone has a story. Reach out your friends and family about the campaign to stop abusive debt collectors.
MISTAKES HURT PEOPLE
STOP THE HARRASSMENT
According to the Federal Trade Commission, as many as 25% of all credit reports may contain “material errors.” Chronically flawed credit reports haven’t prevented some debt collectors from using aggressive tactics to harass American consumers. Repeated calls, threatening language, and deceptive or false representations are all too common tactics employed by abusive debt collectors.
KNOW YOUR RIGHTS
Debt collectors are limited by federal law in what they can do. Know your rights and how to protect yourself against abusive debt collectors.
THEY HAVE TO GIVE DETAILS
Any debt collector who contacts you must tell you specifically the amount they claim you owe, the name of the creditor, the name and address of the original creditor if it is different than the current one, and that you can dispute the debt.
THEY HAVE TO WATCH THE CLOCK
Debt collectors are prohibited from contacting you before 8 AM and after 9 PM. They are also prohibited from contacting you at a time they know is inconvenient or at work if they know you are not permitted to receive such calls when working.
THEY CAN'T HARRASS YOU
Debt collectors are prohibited from calling you repeatedly to harass you about a debt. And they are prohibited from threatening to take any action against you they know they cannot take, such as suing you over the debt if that action is prohibited for any reason.
THEY HAVE TO STOP IF ASKED
You can tell a debt collector in writing to stop contacting you or to contact you in specific ways, such as by mail or email. The collector must honor your request. If you tell a debt collector to cease all communications with you, the collector is allowed only to inform you there will be no further communication and to notify you that they are taking an action to collect the debt you rightfully owe and they are legally allowed to take. Telling the debt collector to stop contacting you does not prevent the collector from continuing to pursue the collection of the debt through other legal means.