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Unlawful Debt Collection

There are state and federal laws in place to protect consumers from abusive debt collection practices. Debt collectors cannot harass consumers or refuse to provide consumers with accurate, transparent information regarding debts. Amongst other things, debt collectors are prohibited from:

  • Calling consumers before 8 a.m. or after 9 p.m.

  • Repeatedly calling consumers to annoy them

  • Contacting consumers at their job, after being asked not to

  • Contacting consumers’ family, friends, or acquaintances

  • Making false statements about who they are

  • Misrepresent the amount of debts

  • Threatening arrest, violence, or harm

  • Using obscene language

To learn more, read FAQ.

Free Dispute Letter

Your credit report has errors, what's next? Send a dispute letter to each credit reporting agency that is reporting the errors. Download our free Credit Report Dispute Letter so you have a template!

Credit Report Errors

Your credit report can impact your quality of life. Credit reports can influence the type of house, car, and sometimes job you qualify for. So, it’s great that there are federal laws in place to protect consumers, like you, from inaccurate and unfair consumer reporting. Common credit reporting errors include:

  • Account does not belong to consumer

  • Account resulted from identity theft

  • Inaccurate account payment history

  • Inaccurate account status

  • Outdated account information

  • Reported as deceased

To learn more, read FAQ.

In most unlawful debt collection and credit report error cases filed by our firm, there are not any out-of-pocket attorneys' fees and costs for clients.

Complete this form.
*Texas & Arkansas Residents Only

Check each issue that applies to you. A company is attempting to collect a debt that:
Check each issue that applies to you. A company is misreporting information on my credit report:
Upload File
Check each issue that applies to you. The debt/accout(s) have caused:

Thank you for providing us with this information.

Please expect to receive an email from us within the next three weeks.

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