Monarch Legal Group can help you with the Fair Debt Collection Practices Act (FDCPA)

Getting behind in your bills can be stressful enough, but debt collectors can make catching up that much harder. Your creditors can contact you in an effort to collect on your debts, but their efforts cannot extend to harassment. The Fair Debt Collection Practices Act was passed to protect consumers just like you by defining specific laws that govern debt collectors. Specifically, it prohibits certain collection activities, including actions or communications that are abusive, deceptive or unfair. If you’re dealing with debt collector harassment, Monarch Legal Group can help.

FDCPA Violations

Consumers file more complaints with the FTC about the debt collection industry than they do any other industry. Since 2015, the FTC along with local and state authorities have stepped up their efforts in taking action against abusive debt collectors. If you’ve suffered abuse at the hands of a debt collector, you do have recourse.

Common violations of the FDCPA include:

  • Abusive language
  • Threatening arrest
  • Making false statements
  • Repeated phone calls intended to annoy
  • Calling late at night, early in the morning or at other inappropriate times
  • Calling after the consumer has requested in writing that the contact ceases
  • Attempting to collect an invalid debt


While the FDCPA offers broad protection from many predatory and abusive actions, it only applies to consumer debts, including:


  • Credit cards
  • Personal loans
  • Medical debts
  • Vehicle debts
  • Mortgages
  • Utility bills
  • Student loans


Non-consumer debts such as tax debts, legal fees, child support, alimony, legal liabilities and business debts are not covered under the FDCPA.

Stopping the Harassment

If you’re dealing with creditor harassment, Monarch Legal Group can help you find solutions. Harassment from creditors and debt collectors can cause anxiety and stress, and in some cases, it can even lead to bankruptcy. Having a skilled attorney on your side can end the harassment. The FDCPA prevents creditors from contacting consumers once they have legal representation. We’ll act as the go-between for you and your creditors, and you’ll enjoy some peace and quiet again.

Monarch Legal Group offers free case evaluations, and we can help you understand how the FDCPA protects your rights. We’ll identify potential creditor violations of the law and help you find the best solution for your needs. We can even help you pursue litigation. Contact us today to learn more about how we can help or to schedule your appointment.