Debt collection harassment remains one of the most common consumer complaints. Federal law gives you significant protections — here's what collectors can and can't do.
What Collectors CAN'T Do
- Call before 8 AM or after 9 PM
- Call your workplace if you've asked them to stop
- Use abusive, profane, or threatening language
- Contact you on social media publicly about a debt
- Misrepresent the amount owed
- Threaten arrest (you cannot be jailed for consumer debt)
Your Rights
Verification: You can demand written verification of any debt within 30 days. The collector must stop until they provide it.
Cease contact: Send a written "cease and desist" letter. They can only contact you once more to confirm receipt or notify of legal action.
Statute of limitations: Varies by state (3-10 years). After expiration, the debt is "time-barred" — they can't sue to collect, though they can still ask.
If Your Rights Are Violated
File complaints with the CFPB and your state attorney general. You can sue under the FDCPA and collect $1,000 per violation plus attorney fees.
