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Falsely represent or imply that the collector is an attorney or that communications are from an attorney. Threaten to take any action that cannot legally be taken or that is not intended to be taken.

Statutory damages of up to $1,000. The terms of the FDCPA allow consumers to recover damages up to $1,000 from a debt collector. This amount is above and beyond other forms of damages that a consumer may be entitled to. To obtain this amount, a consumer merely has to prove that the collector violated the FDCPA.

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

Debt Validation Letter Example I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.