To-Do List for Fair Debt Collection Violations

If you think you're being harassed or a debt collector is lying to you (see our violation checklist if you're not sure) it can be hard to know where to begin. Just because you owe a debt doesn't mean you deserve abuse. At Ledford, Wu & Borges, LLC, we can help stop abusive debt collectors,

A To-Do List for Use against Debt Collectors

Do you get phone calls at all hours of the day and night? Do you have voicemail messages laced with profanity or physical threats of harm? Are you being told you'll go to jail if you don't pay up?

There are many different types of FDCPA violations.

Here's what to do if you are a victim of debt collector abuse:

  • Keep detailed notes
  • Log all phone calls, including automated calls on your mobile phone
  • Save collections letters and threatening voicemail messages
  • Give the debt collector our name and number if you've hired us
  • Tell the debt collector to call you (or your lawyer) and stop calling your family, friends, neighbors, or co-workers
  • Tell the debt collector you don't want to discuss personal matters at work, or that you aren't allowed to take those calls, if your employer prohibits it

And if you want to stop getting calls, mail a certified letter with return receipt requested or fax a letter (and be sure to keep the confirmation page).

Your letter should say "cease and desist all further communications."

Get a Free Consultation with Ledford, Wu & Borges, LLC

Sometimes, even a cease-and-desist letter will be ignored. You might still suffer from debt collector abuse. But you can take action against it. At Ledford, Wu & Borges, LLC, you will be meeting with an experienced consumer attorney - you'll complete a few intake forms, we'll review your situation, discuss your options, and recommend the best course of action. Call 312-574-3327 or reach us online here.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.