The Fair Debt Collection Practices Act puts real limits on how and when collectors can contact you. When those limits are crossed, you may be entitled to damages — and Dolgora Law PLLC can help you hold the collector accountable.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that restricts how and when a collector can contact you — no calls before 8am or after 9pm, no repeated calls in an effort to annoy or harass, no contacting you at work after being told not to, no threats of action they can't legally take, no threatening arrest, no discussing your debt with your employer or family, and no misrepresenting how much you owe. Repeated calls placed to annoy or harass can violate the law even when no individual call, on its own, sounds abusive. The FDCPA covers consumer debts — personal, family, or for household purposes — not business debts, and whether you actually owe the money is irrelevant: even a valid debt must be collected lawfully.
Most people never read the FDCPA and don't realize how specific its protections are. When a collector crosses these lines, the law lets you sue and recover actual damages, statutory damages of up to $1,000, and your attorney's fees and costs. The strongest cases are built on a clear, contemporaneous record of what actually happened.
We help you organize call logs, voicemails, letters, and texts into a clear, usable record.
We match what actually happened against the specific conduct the FDCPA prohibits.
Where violations are clear, we pursue a claim for damages against the collector on your behalf.
Beyond compensation, the goal is straightforward: getting the harassment to stop.
When violations are proven, the collector is responsible for paying the consumer's reasonable attorney fees.