May flowers shouldn’t come with thorny collection calls. If your phone rings off the hook, the Fair Debt Collection Practices Act (FDCPA) is your shield.
Harassment includes calling before 8 a.m. or after 9 p.m., using profanity, threatening unlawful actions, or contacting you at work after being told not to. Regulation F also caps call frequency to seven in seven days.
You have the right to send a Cease & Desist letter ordering the collector to stop all communication. Once received, they may only contact you to confirm deletion, advise of specific remedies, or serve legal papers.
Document every violation: date, time, caller ID, and a summary of the conversation. Smartphone recordings are legal in New York’s one‑party consent jurisdiction, but check local rules if you travel.
Each FDCPA violation can yield up to $1,000 in statutory damages. Coupled with state claims for emotional distress, harassment lawsuits often turn the tables, forcing collectors to pay you.
Avoid common missteps such as admitting the debt or promising payment plans during heated calls. Keep interaction minimal and scripted.
Georgiou Law leverages call logs and voice recordings to negotiate quick resolutions, including debt forgiveness and credit report deletions.
Legal Disclaimer: This blog is for education only and does not establish an attorney‑client relationship.
⏰ Silence the phone bullies today. Call Georgiou Law at (917) 764‑3072—free harassment evaluations end May 31.
