If you were recently contacted by an overzealous debt collector who used questionable tactics in-an-attempt-to obtain money for a past-due bill, you’re not alone. 

According to a 2017 study conducted by the Consumer Financial Protection Bureau (CFPB), one-in-four consumers reported feeling intimidated, harassed or threatened by a debt collector during the 12 months of the survey. 

Fortunately, consumers have rights under the Fair Debt Collection Practices Act (FDCPA) that protect them against unfair, abusive or deceptive debt collection practices. 

Many people go through periods in their lives when it’s hard to pay their bills on time. When that happens, creditors oftentimes use debt collectors, or third-party collection agencies, to put pressure on those who owe them money.

Sometimes, the debt collector’s methods are excessive or even abusive. Fortunately, for consumers, debtors have rights under both state and federal laws that protect them against debt collection tactics that are unfair, deceptive and/or unreasonable.