Tired of endless calls, threats, and intimidation from debt collectors? In 2025, the FDCPA empowers you to fight back legally—no more sleepless nights. Discover your rights and simple steps to silence the harassment, backed by FTC and CFPB guidelines, and reclaim your peace today.
Debt collectors must follow strict rules under the Fair Debt Collection Practices Act (FDCPA), enforced by the FTC. This federal law prohibits abusive, deceptive, or unfair practices when collecting debts like credit cards or medical bills.
Harassment includes repeated calls, threats of arrest, profane language, or contacting you at inconvenient times (before 8 a.m. or after 9 p.m.). In NYC, state laws add protections, banning oppressive conduct. Collectors can’t discuss your debt with third parties without permission or falsely claim to be attorneys.
The CFPB’s Debt Collection Rule, updated in recent years, requires collectors to provide clear validation notices within five days of first contact, detailing the debt amount, creditor, and your right to dispute. If violated, you can sue for damages up to $1,000 per violation, plus attorney fees. FTC actions in 2025, like banning abusive collectors, highlight enforcement.
How to Stop Harassment Step by Step:
- Document Everything: Log calls, times, and content—evidence is key for complaints.
- Send a Cease-and-Desist Letter: Via certified mail, demand they stop contacting you. They can only respond to confirm cessation or legal action.
- Dispute the Debt: Within 30 days, request validation; they must pause collection until provided.
- File Complaints: Report to FTC, CFPB, or NY Attorney General; they investigate violations.
- Seek Legal Help: If sued, attorneys can defend and countersue for FDCPA breaches.
These steps empower you, but professional guidance ensures compliance and stronger negotiations.
At Georgiou Law, PLLC in Astoria, NYC, founded by former bank attorney Efstathios Georgiou, we specialize in enforcing your rights during debt settlement or consolidation. Mr. Georgiou’s banking insights help stop harassment while resolving debts ethically.
Ready to fight back? Contact us for a free consultation: Call (917) 764-3072 or visit georgioulawpllc.com. Don’t endure abuse—let’s protect you today.
