Tired of Debt
Collector Calls? Know Your Rights.
You may have powerful legal protections under the Fair Debt Collection Practices Act. Learn how to stop harassing calls and understand your rights under federal law — completely free.
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FDCPA Rights Education
Federal law information
Consumer Rights Info
Educational resources
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Free informational review
68M+
Americans contacted by debt collectors annually
$1,000
Potential statutory damages per FDCPA lawsuit
7 in 7
Calls in 7 days = presumed FDCPA violation
$0
Cost for our educational information review
You Are Not Alone
Are Debt Collectors Making Your Life Miserable?
Constant calls, threatening messages, and relentless pressure from debt collectors can be overwhelming. The good news: federal law provides protections you may not know about.
Non-Stop Calls
The FDCPA restricts when and how often debt collectors can contact you.
Threats & Intimidation
Many threats from debt collectors may violate federal law.
Stress & Anxiety
Understanding your legal rights is the first step toward peace of mind.
You May Have Legal Options You Don't Know About
Under the FDCPA (15 U.S.C. § 1692k), the law provides that consumers who experience violations may be able to seek statutory damages up to $1,000 per lawsuit, plus actual damages and attorney's fees. Results vary and are not guaranteed.
Request Free InformationFederal Protection
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act provides important protections for consumers.
Right to Stop Calls
Send a written request demanding they stop contacting you.
Right to Debt Validation
Collectors must verify the debt within 5 days of initial contact.
Protection from Harassment
No threats, profanity, or calls outside 8 AM - 9 PM.
Protection from Deception
Collectors cannot misrepresent amounts or threaten illegal actions.
Simple Process
How It Works
Getting informed about your rights is simple. Here's our straightforward process.
Share Your Situation
Fill out our brief form with details about the debt collection calls you are receiving.
Free Information Review
We review your information and assess whether the collector's actions may violate the FDCPA.
We Follow Up
Someone from our team may contact you to discuss your situation and provide resources.
Common Questions
Frequently Asked Questions
Get answers to common questions about debt collection and your rights.
No. StopDebtCallsNow.com is an educational resource that provides information about consumer rights under federal debt collection laws. We are not a law firm and do not provide legal advice. If you need legal assistance, we recommend consulting a licensed attorney in your state.
The FDCPA is a federal law (15 U.S.C. § 1692 et seq.) that restricts the practices of third-party debt collectors. It prohibits harassment, false statements, and unfair practices in debt collection. Consumers who experience violations may have legal remedies available to them.
Under the FDCPA, you have the right to send a written request asking a debt collector to cease communication. Once they receive your request, they must stop contacting you, with limited exceptions such as notifying you of specific legal actions.
When you submit your information through our form, we review the details you provide and may follow up with you to discuss your situation and provide educational resources. There is no obligation, and no attorney-client relationship is formed through this website.
Many consumer protection attorneys handle FDCPA cases on a contingency basis, meaning the consumer typically does not pay out-of-pocket legal fees. Under the FDCPA, successful plaintiffs may recover attorney's fees from the debt collector. A licensed attorney in your state can explain the fee structure for your specific case.
Document every interaction including dates, times, and what was said. Save all voicemails, letters, and text messages. You can file complaints with the Consumer Financial Protection Bureau (CFPB) and your state attorney general. If you believe your rights have been violated, consider consulting with a licensed attorney in your state.
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Learn About Your Rights Under Federal Law
Federal law provides protections that many consumers don't know about. Take the first step toward understanding your rights and exploring your options.
Request Free InformationInformational only. Not a law firm. Not legal advice. Disclaimer